We place financing on income-producing residential property on the strength of its own cash flow. No W-2s, no personal income verification, no debt-to-income test. Title held in your LLC, closings measured in weeks.
Built for operators who buy, stabilize and hold. Every product is a business-purpose loan secured by non-owner-occupied property, placed with lenders who specialize in investor financing.
Long-term financing qualified on the property's rent against its full payment. The workhorse product for a buy-and-hold portfolio.
Short-term financing to acquire and renovate, structured to roll into a permanent DSCR loan once the property is leased.
One loan across five or more doors. A single closing, a single payment, and release provisions so you can still sell individual assets.
Indicative only. Final terms are set at underwriting against the appraisal, the lease, and credit.
| Parameter | Guideline |
|---|---|
| Loan amount | $75,000 – $3,000,000 |
| Maximum LTV | 80% purchase · 75% rate-and-term · 75% cash-out |
| Minimum DSCR | 1.00 — below 1.00 considered with a pricing adjustment |
| Minimum credit score | 660 |
| Loan terms | 30-year fixed, 40-year, 5/6 and 7/6 ARM, interest-only available |
| Eligible property | SFR, 2–4 unit, warrantable condo, townhome, 5–8 unit residential |
| Vesting | LLC, LP, or corporation — entity vesting is standard, not an exception |
| Investor experience | First-time investors considered |
| Reserves | Typically six months of payments |
| Prepayment | 5/4/3/2/1 step-down, three-year, or buyout at closing |
| Rent documentation | Executed lease, or appraiser's 1007 market rent schedule |
| Short-term rentals | Considered with a 12-month operating history |
Rental financing runs on its own rules — entity vesting, cash-flow qualification, bridge into permanent. Everything here is set up for that rather than adapted to it from a consumer mortgage desk.
Send the address, the rent, and the taxes. You get a real indication of leverage and rate the same day, not a request to apply first and find out later.
No tax returns, no W-2s, no pay stubs, no debt-to-income calculation. The property's cash flow carries the loan, which is what lets a growing portfolio keep borrowing.
Bridge financing to buy and renovate, then a DSCR refinance to pull capital back out once the unit is leased. One relationship across both halves of the trade.
We are a broker, which means we shop your scenario across multiple wholesale lenders rather than fitting it into one box. When a file gets declined on a guideline technicality, it moves to the lender whose guidelines it fits.
Address, purchase price or value, gross rent, taxes and insurance. That is enough to price it. Same-day indication.
We shop it across our lenders and come back with leverage, rate, term and prepay structure in writing, plus the conditions they will want. You decide before spending a dollar.
We order the appraisal and the 1007. You send entity documents, insurance, and the lease. Lender underwriting runs in parallel.
Clear to close, docs to title, wire. Two to three weeks from a complete file on a typical transaction.
Six fields is all it takes to price a DSCR loan. Fill in the form or reach out directly — either way you will hear back the same business day.
Copy the summary below and email it to Dclendingone@gmail.com, or call 732-904-9002 and read it off.