Do your lenders require experience?
We work with lenders who provide financing for both experienced investors and those just getting started with their first investment property.
Do you offer fix and flip loans?
Although our core expertise is DSCR rental financing, we work with a network of lenders that offer competitive Fix-and-Flip loan programs. If a Fix-and-Flip loan is what you are in search of, we’re happy to assist.
What's the main difference between conventional and private lending?
Conventional financing through banks requires specific income levels, debt-to-income ratios, and employment verification to qualify. Private lending (also known as non-QM) focuses primarily on the borrower’s credit score and the property’s cash flow. This makes private lending a better fit for most real estate investors.
How long are the financing options?
Our lending partners offer a broad range of DSCR loan structures, including interest-only options, adjustable-rate mortgages (ARMs), and long-term fixed rate programs. The most popular of which is the fixed rate 30-year amortization. Loan options vary by lender and borrower profile.
Do your lenders report the loans to the credit bureaus?
No. This allows investors to expand their portfolios more quickly without worrying about credit impacts or mortgage debt-to-income ratio limitations.
Does the property need to be occupied to qualify?
No, they don’t. This allows investors to expand their portfolios more quickly without worrying about credit impacts or mortgage debt-to-income ratio limitations.
Is there a seasoning period?
Seasoning requirements depend on the lender and loan program. Many DSCR options allow little to no seasoning, and we align each deal with the lender that best fits your timeline and strategy.
What's the minimum required credit score?
Minimum credit score requirements vary by lender and loan program. Many DSCR lenders allow scores as low as 620, with terms and pricing adjusted based on the overall strength of the deal.
What's the maximum LTV?
Maximum LTV varies by lender and loan program. For cash-out refinances, most DSCR lenders cap LTV at 75%, with select programs allowing up to 80%. For new purchases and rate-and-term refinances, maximum LTV is typically 80%, with some lenders offering up to 85% depending on deal strength and property profile.
Can I close in an LLC or Trust?
Yes. Most DSCR lenders allow properties to be titled in an LLC or trust, provided the ownership structure meets lender guidelines. Personal guarantees are typically required, and we’ll confirm entity eligibility early to ensure a smooth closing.
Do you do portfolio loans?
Yes. Many of our lending partners offer portfolio loan programs designed for investors with multiple properties. These programs allow you to finance multiple assets under a single loan structure, with terms tailored to portfolio size, cash flow, and long-term investment strategy.
How long is the financing process?
Most DSCR loans close within 3–4 weeks, with some transactions completing in as little as 2 weeks. More complex deals—such as portfolio loans, or entity structures—may take up to 45 days to close.