Loan Programs
DSCR and bridge loans for real estate investors
Two programs, many lenders. We match your deal with the lender whose terms fit it best.
Programs
Choose the loan that fits the deal
Holding long term or in and out in months, the request is the same. Pick a loan type on the pre-approval form and it asks for what that loan needs.
DSCR rental loans
Long-term loans for rental property, qualified on whether the rent covers the payment.
- 30-year fixed terms
- Up to 80% LTV, 75% cash-out
- Qualify on the rent, not your income
- Purchase or refinance
Bridge loans
Short-term loans to buy and renovate, sized on the deal and its after-repair value.
- Close in 7–14 days
- Up to 90% of purchase, 100% of rehab
- Interest-only, 6–24 months
- Fix & flip, value-add, quick closes
DSCR
DSCR loans: qualify on the property, not your paycheck
A DSCR (debt service coverage ratio) loan is a long-term loan for rental property. Lenders qualify it on whether the rent covers the payment, so there are no tax returns or pay stubs.
- Purchase, rate-and-term, or cash-out refinance
- Single-family, 2–4 unit, condos and small multifamily
- Short-term rentals with some lenders
- Close in an LLC or corporation
- Scale a portfolio without income limits
Typical DSCR terms
DSCR terms at a glance
Fixed rate. Some lenders offer interest-only periods.
Up to 75% on a cash-out refinance.
Based on the property's rent. No tax returns or pay stubs.
Higher scores and ratios get better pricing.
Bridge
Bridge loans: speed and leverage for fix & flip
A bridge loan is a short-term, asset-based loan to buy and renovate. Lenders size it on the deal and its after-repair value (ARV), so it closes fast and can fund the rehab too.
- Purchase, purchase + rehab, or rehab only
- Rehab funds released in draws as work is done
- Interest-only payments
- First-time flippers welcome with many lenders
- Exit by selling or refinancing into a DSCR loan
Typical bridge terms
Bridge terms at a glance
Sooner when your file is complete.
Up to 100% of rehab, capped near 75% of ARV.
Interest-only payments. Extensions vary by lender.
Plus 1–3 points, depending on the deal and the lender.
Strategy
From flip to rental: bridge, then DSCR
Buy and renovate with a bridge loan. Once the property is rented, refinance into a DSCR loan based on the new value and the rent. That's the BRRRR method, and we arrange both loans.
Documents
What you'll need
Have these ready and your loan moves without delays. Lenders may ask for more.
DSCR loans add
- Settlement statement (HUD-1 / CD)From the original purchase. Verifies acquisition cost and title history.
- Verification of mortgageFrom the current lender, if the property has a mortgage.
- Payoff statementFrom the current lender, if you're refinancing.
Bridge loans add
- Purchase & sale agreementThe fully signed contract, if you're purchasing.
Plus a scope of work for any rehab.
Property
- Scope of workItemized repair budget for any renovation.
- Lease agreementFor each rented unit, if applicable.
- Insurance quoteA quote to start. The policy must be bound before closing.
Borrowing entity
- Articles of OrganizationShows the borrowing entity is formed.
- Operating Agreement or BylawsMust list every member and their ownership %.
- Certificate of Good StandingNot needed if the entity is less than a year old.
- EIN letterOr last year's business tax return.
- Bank statementsMost recent 2 months, in the borrowing entity, another entity you own, or the guarantor's name.
- Voided checkFor the account that will make loan payments.
Guarantor
- Government IDDriver's license, green card, work visa, or passport for each guarantor.
- Residency documentationIf a guarantor isn't a U.S. citizen.
Helpful, not required
- Appraisal or valuation
- Track record of past projects
- Survey
- Borrowing resolution
Terms shown are typical ranges across our lender network, not an offer or commitment to lend. Each lender sets its own rates, fees, and requirements, and all loans are subject to the lender's underwriting and approval.
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