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
Business Acquisition Loans
Best for: Entrepreneurs or investors looking to purchase an existing business
Loans designed to help buyers acquire established businesses while optimizing cash flow and growth potential.
Highlights:
- Financing for acquisitions, buyouts, or refinancing of existing business debt
- Flexible terms tailored to business cash flow and profitability
- Supports a wide range of industries, from retail and services to manufacturing
- Option to include working capital or business improvements in the loan
DSCR Second Position Loans
Best for: Real estate investors looking to tap into their property’s equity without refinancing their existing first mortgage
Loans designed to help investors access cash from their investment properties while keeping their current low-rate first loan in place.
Highlights:
- Second-position financing for cash-out without disturbing the primary mortgage
- Based primarily on the property’s cash flow (DSCR) rather than personal income
- Ideal for funding new investments, renovations, reserves, or business opportunities
- Flexible terms for long-term rental properties, including single-family, multifamily, and short-term rentals