📞 (877) 298-1001 | Investment Property Only | No W-2 Required
Investor FAQ
Common Questions Answered Directly
No runaround. Just the answers real estate investors actually need before applying.
No. DSCR loans qualify based on the property's rental income — not your personal income. We don't require W-2s, tax returns, or pay stubs. If the property cash flows, you can qualify.
620+ for standard DSCR loans. 640+ for our No Ratio DSCR program. We've closed deals for investors at 620 with strong deal economics.
Yes. DSCR and hard money loans allow you to take title and hold the loan in your LLC. This is a major advantage over conventional financing which does not allow LLC borrowing.
As few as 10 days on bridge and fix & flip loans. DSCR purchases typically close in 10–21 days depending on appraisal. We've closed bridge deals in 7 days for time-sensitive situations.
No hard credit pull to get a quote or pre-qualification. A soft pull is sufficient for initial review. A hard pull occurs only when you move to full application.
Generally $150K for DSCR and Fix & Flip. $100K for our No Ratio DSCR program. Call us if your deal is under these thresholds — we may have options.
We lend in all 50 states for most programs. Our No Ratio DSCR program is not available in NY or VT. Some programs have state-specific restrictions — call us to confirm your state.
$5M+ for most programs. No formal cap on commercial and portfolio deals — we've financed deals well above $5M. Call us if your deal is large.
LTV (Loan to Value) is the loan as a percentage of the property's current value. LTC (Loan to Cost) is the loan as a percentage of total project cost (purchase + rehab). Fix & flip loans use LTC. DSCR loans use LTV.
Yes — ask about our No Ratio DSCR program. No DSCR minimum required. 640+ credit, 85% LTV, $100K–$4M. Not available in NY or VT.
No limit. DSCR loans don't count against your personal DTI so you can scale to as many properties as you can qualify individually. We've helped investors go from 1 property to 55+ on blanket portfolio loans.
A DSCR loan where your monthly payments cover only interest — no principal repayment. This maximizes your monthly cash flow during the hold period. Available on select programs — ask us.
Yes. We work with first-time investors through experienced portfolio operators. First-timers typically need slightly stronger deal economics — strong ARV margin for flips, healthy DSCR ratio for rentals — but we've closed hundreds of first deals.
Fill out the 60-second form on our website. No credit pull. We review within 24 hours and come back with a term sheet. You don't need a property identified to get pre-qualified — know your buying power before you find the deal.
Ready to Talk About Your Deal?
No credit pull. No obligation. Investment property only.
No credit pull. No obligation. Investment property only. Our loan specialists respond within a few hours.
✓ No W2 or tax returns required
✓ Close in as few as 10 days
✓ LLC borrowing allowed
✓ 620+ credit · $150K–$5M+
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