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The TCH Funding Group
Speed. Clarity. Results.
Frequently Asked Questions (FAQs)
What is a DSCR loan and how do I qualify?
A DSCR (Debt Service Coverage Ratio) loan qualifies the property based on its rental income rather than your personal income. Approval is primarily based on the property’s cash flow and overall deal structure.
Do you offer financing for ground-up construction?
Yes. Our ground-up construction loans are designed for developers and investors building new residential or commercial properties. Funds are typically disbursed in draws as construction progresses.
How fast can I close?
Short-term financing such as hard money, bridge, and fix & flip loans can often close quickly depending on documentation and appraisal timelines. Conventional and government-backed loans may take longer due to underwriting requirements.
Can I refinance into a long-term loan later?
Yes. Many investors use bridge or hard money financing as a short-term solution, then refinance into a DSCR or conventional loan once the property is stabilized.
How do I get started with a specific loan program?
Simply complete the pre-qualification form for the loan program that fits your scenario or schedule a call with our team. We’ll review your deal and guide you through the next steps clearly and professionally.
Can I finance both the purchase and renovation costs?
Yes. Programs such as Fix & Flip loans and FHA 203(k) renovation loans allow you to combine purchase and renovation costs into one structured loan.
What is the difference between a Hard Money loan and a Bridge loan?
Both are short-term financing options. Hard money loans are asset-based and commonly used for distressed or value-add properties. Bridge loans are typically used to transition between properties or secure time-sensitive opportunities before long-term financing.
What qualifies as a multifamily loan?
Multifamily loans typically apply to properties with 5 or more units. These loans are structured based on the property’s income and can be used for acquisitions, refinances, or renovations.
Are your loan programs available for LLCs?
Many of our investor-focused programs, including DSCR, multifamily, and hard money loans, allow borrowers to close in an LLC or business entity.