Build Your Rental Portfolio Faster
Specialized financing for investment properties with qualification based on property cash flow, not personal income
Why Real Estate Investors Choose Us
We understand that investment properties require different financing than primary residences. Our programs are designed specifically for your portfolio growth.
Fast Closings
Close in as little as 10-14 days with streamlined underwriting designed for experienced investors.
Unlimited Properties
No limit on the number of financed properties. Scale your portfolio without hitting conventional loan caps.
No Income Verification
Qualify based on property cash flow (DSCR), not tax returns or W-2s. Perfect for self-employed investors.
DSCR Loans: The Investor's Secret Weapon
Debt Service Coverage Ratio (DSCR) loans qualify you based on the property's rental income, not your personal income or tax returns.
How DSCR Loans Work
Property Cash Flow Analysis
We analyze the property's rental income using current lease or market rent appraisal.
Calculate DSCR Ratio
DSCR = Monthly Rental Income Ă· Monthly Debt Payment (PITIA). A ratio of 1.0+ means the property covers its own expenses.
Approve Based on Property Performance
If the property cash flows positively, you're approved—regardless of your personal income or debt-to-income ratio.
DSCR Loan Example
Property Details:
- • Purchase price: $400,000
- • Down payment (20%): $80,000
- • Loan amount: $320,000
- • Monthly rent: $3,200
DSCR Calculation:
- • PITIA payment: $2,800/month
- • DSCR ratio: 1.14
- • Result: Approved!
- • Cash flow: +$400/month
Investment Property Loan Features
Loan Amounts Up to $3M
Finance single-family, multi-family (2-4 units), condos, and townhomes up to $3 million.
Down Payment as Low as 15-20%
Competitive down payment requirements for investment properties. 20% for single-family, 25% for 2-4 units.
Long-Term and Short-Term Rentals
Finance traditional 12-month leases or short-term vacation rentals (Airbnb, VRBO) with proper documentation.
Cash-Out Refinance Available
Pull equity from existing rental properties to fund your next investment. Up to 75% LTV on cash-out refinances.
Foreign Nationals Welcome
Non-U.S. citizens can qualify for investment property loans with proper documentation and down payment.
LLC and Corporate Entities
Close in your LLC or corporate name for asset protection and tax benefits.
Property Types We Finance
Residential Investment
- Single-family homes
- Duplexes, triplexes, fourplexes
- Condos and townhomes
- Warrantable and non-warrantable condos
Special Use Properties
- Short-term vacation rentals (Airbnb/VRBO)
- Mixed-use properties (residential + commercial)
- Fix-and-flip properties
- Non-owner occupied properties
Ready to Grow Your Investment Portfolio?
Let's discuss how DSCR loans and investment property financing can accelerate your real estate investing goals.
NMLS #2033515 | Licensed in Washington and Idaho