We focus our attention on current and aspiring full-time real estate investors who are dedicated to maximizing their investment portfolios. Our services are tailored to meet the unique needs of experienced individuals in the real estate industry. Whether you specialize in residential, commercial, or other investment properties, we are here to support your success and help you achieve your financial goals. Feel free to reach out if you are a committed real estate investor looking for strategic partnerships and valuable resources to enhance your investment journey

All States with the exception of: Arizona, Idaho, Michigan, Minnesota, Montana, Nebraska, Nevada, New York, Oregon and Utah.

DSCR stands for Debt Service Coverage Ratio, and it is a financial metric used in real estate and business finance to evaluate the ability of a property or business to cover its debt obligations.

In residential real estate: DSCR is calculated using Gross Rents/(P)ITIA (Principal, Interest, Taxes, Insurance, HOA if applicable). This calculation typically allows for residential real estate to qualify for much higher leverages than commercial properties. It's important to note that not every lender calculates DSCR the same way. Here are examples of different versions: DSCR = 1. Gross Rents/PITIA (most common) 2. (Gross Rents x Vacancy Factor)/PITIA 3. (Gross Rents x Expense Factor)/PITIA 4. Net Operating Income/PITIA (most common in commercial real estate)

We have products depending on the scenario and what your strategy is. We have products with no seasoning for the BRRRR method investors that prioritize velocity of money as well as the classic 6-12 month seasoning for the investors that prioritize the lowest rates.

Typically 25-30 days. DSCR loans need full appraisals ordered by an appraisal management company (AMC). This consumes the bulk of the time in a transaction. We have closed DSCR loans in 2 weeks but this is uncommon because of the realistic amount of time it takes to get 3rd parties back (appraisal, title, insurance) before we can get an underwriting approval.

A 1-4 unit residential property intended to or currently generating income FICO: 680+ Cash to Close + 3-6 months of payments Entity to hold title in NO Tax Returns; NO W-2s; Only the minimum assets to qualify

High Credit: 720+ is ideal (we can go down to 680) Low LTV: 70% or less (we can go up to 80%) High DSCR: 1.25+ (we can go below 1.00 DSCR) High Prepayment Penalty: 5 year fixed (we can go down to No Prepayment Penalty)

In most situations, we can finance up to 100% of your budget.

Typically 10-15% down for experienced investors

We want to see Been There, Done That experience in a 2-3 year look back: Been There: you've executed profitably on flips IN THE LOCATION. Done That: you've executed profitably on flips within a SIMILAR BUDGET/SCOPE OF WORK.

Minimum loan amount: $100,000* Maximum: $4,000,000* *exceptions available

Yes. We have a the capacity to do 100% financing for experienced investors. Request a Quote so we can have one of our account executives reach out to you to discuss the options in more detail.