Nationwide Coverage*. No Tax Returns. 14-Day Closes.
$50M+ Funded
48-Hour Approvals
46 States
Institutional Rates
Loan Programs
30-Year Fixed
Predictable payments for long-term holds
5/6 ARM
Lower initial rate with 5-year fixed period
Interest Only
Maximize cash flow for the first 10 years
Loan Parameters
Up to 85% LTV
Loans up to $5M
No Income Verification
Close in 14-21 Days
Short Term Rentals OK
Foreign Nationals OK
How It Works
1
Get Your Quote
See your rate in seconds based on the property's cash flow.
2
Apply Online
Complete a simple application in under 10 minutes.
3
Close & Fund
We handle the rest. Most loans close in 14-21 days.
Borrower Resources
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income,
not your personal tax returns or W-2s. If the rental income covers the mortgage payment, you qualify.
This makes them ideal for real estate investors and self-employed borrowers.
We offer competitive rates for borrowers with credit scores as low as 620. Higher credit scores
will qualify for better rates and terms. Your DSCR (rental income vs. payment) is equally important.
We finance single-family homes (1-4 units), condos, townhomes, and multi-family properties.
Short-term rentals (Airbnb/VRBO) are eligible. Mixed-use properties considered case-by-case.
Most DSCR loans close in 14-21 days. Our streamlined process and dedicated team ensure
quick approvals and minimal delays. Complex deals may take slightly longer.