Loan Programs
Investor & Bridge
DSCR rental loans, fix & flip, ground-up construction, and bridge financing for real estate investors and BRRRR strategy.
DSCR
DSCR Rental Loan
Qualify a rental property on the property's own cash flow — no personal income documentation.
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DSCR
DSCR Cash-Out Refinance
Pull cash out of a seasoned rental — no personal income documentation.
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DSCR
DSCR 2nd Lien / HELOC
HELOC or fixed second lien on an investment property, qualified on DSCR.
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DSCR
No-Ratio DSCR
DSCR loan with no minimum ratio requirement — higher rate, but closes even when rent doesn't cover PITIA.
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DSCR
Short-Term Rental DSCR (Airbnb)
DSCR loan using projected short-term rental income (AirDNA or 12-month Airbnb/VRBO history).
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Investor Portfolio
Portfolio Loan (5+ Properties)
Blanket or cross-collateralized loan across 5+ rental properties.
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Bridge / Hard Money
Fix & Flip
Short-term financing for acquisition + rehab of a resale flip. 6–18 month term.
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Bridge / Hard Money
Fix & Hold (BRRRR)
Acquisition + rehab financing structured for BRRRR strategy — bridge to DSCR takeout.
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Construction
Ground-Up Construction (Residential)
Construction financing for spec builders or owner-occupant new builds.
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Bridge
Residential Bridge
Short-term loan to buy the next home before selling the current one, or to close quickly on an opportunity.
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Bridge
Commercial Bridge
Short-term financing on commercial assets — value-add, lease-up, or transition to permanent.
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Bridge — Wholesale
Transactional Funding (Same-Day)
Same-day double-close funding for wholesalers and A→B→C transactions.
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FAQ
Common questions
What is a DSCR loan?
A Debt Service Coverage Ratio loan qualifies from the property's rental cash flow (rent ÷ PITIA) rather than personal W-2 income. Most programs look for DSCR at or above 1.0; stronger ratios improve pricing and LTV.
Can I use DSCR financing on short-term rentals in California?
Yes — many wholesalers accept AirDNA or similar short-term rental projections with overlays on occupancy and expense ratios. Local STR ordinances still apply; we underwrite the loan and flag city restrictions you should verify.
How is fix-and-flip different from a rental DSCR loan?
Fix-and-flip is short-term, interest-only acquisition + rehab capital meant to be repaid at sale or refinance. DSCR is long-term rental financing based on stabilized income. Mixing the two without a clear exit plan is a common failure mode.
Do you finance multi-property portfolios?
Yes — portfolio and blanket structures for 5+ properties, plus one-off DSCR on individual rentals. Cross-collateralization, entity vesting (LLC), and reserves are scenario-specific.