DSCR Loans (Debt Service Coverage Ratio)
Best for: Real estate investors and landlords
DSCR loans qualify based on the property’s rental income rather than personal income, making them ideal for investors scaling their portfolios.
Highlights:
No personal income verification
Works for long-term and short-term rentals
Available for LLCs and individuals
Fast approval and funding
Hard Money Loans
Best for: Investors prioritizing speed and flexibility
Asset-based loans focused on the property value, useful for unique or non-traditional deals.
Highlights:
Fast approvals and closings
Flexible underwriting guidelines
Covers flips, bridge financing, and special situations
Bridge Loans
Best for: Investors needing quick short-term capital
Temporary financing to close deals or transition between properties until long-term financing is secured.
Highlights:
Quick funding to secure deals
Flexible terms
Often used before refinancing
Ground-Up Construction Loans
Financing for new construction projects, covering land acquisition, hard costs, and soft costs.
Highlights:
Covers land purchase and construction costs
Flexible term and draw schedules
Ideal for residential and commercial new builds
Multifamily Loans
Loans designed for properties with 5+ units, helping investors scale rental portfolios efficiently.
Highlights:
- Financing for acquisitions, refinances, and renovations
- Suitable for short-term and long-term rentals
- Flexible underwriting based on property cash flow