Loan programs
Every program qualifies on the property.
No tax returns, no personal debt-to-income test, no employment verification. Send the scenario and we will tell you which program fits and what it prices at.
Go straight to a program
Rental income programs
DSCR
The property carries the loan. We underwrite the rent, not your returns. This is the core of what we do and where most of our volume closes.
Long Term Lease DSCR
Single-family and small residential held as long-term rentals. Income sourced from the appraisal or the signed lease.
The default DSCR structure
Short Term Rental DSCR
Airbnb and VRBO properties, qualified on 12-month AirDNA projections, appraised short-term rents, or actual rent rolls.
STR income accepted
Multifamily DSCR
Two to nine units underwritten on the whole property's lease or appraised market rents.
Up to 9 units
Short-term capital
Bridge and rehab
For deals where speed decides the outcome. Take the property down fast, do the work, then refinance into a DSCR loan once it stabilizes.
Bridge Loans
Purchase or refinance on a short clock when timing matters more than rate. Built to be paid off, not held.
12-24 month terms · No pre-payment penalty
Rehab Loans
Acquisition and renovation in a single loan for flips and BRRRR deals, with the rehab budget rolled in.
Virtual appraisal · Soft credit pull · 15-day close
Conventional Investor
When the file supports full documentation, this is the cheapest money available on an investment property. We will tell you when it beats DSCR.
Lowest rates · Fixed terms
Funded
Deals we have actually closed.
A sample from the loans funded since January 2025. Borrower details stay out of it — the point is the range of markets and loan sizes we work in every week.
$427,500
Refinance
Hilton Head Island, SC
$297,750
Refinance
Durham, NC
$191,920
Refinance
Memphis, TN
$164,000
Refinance
Sedalia, MO
$150,000
Refinance
North Little Rock, AR
$135,600
Refinance
Monroe, MI
$124,500
Refinance
Canton, OH
Not sure which one fits?
Thirteen questions, about five minutes, and no credit pull to see pricing. Send the scenario and we will come back with the programs that actually work for it.