30 year fixed no-doc loans for almost any property type
commercial and residential
long term loans for long term profits. build genertional wealth one property at a time.
RENTAL / DSCR LOAN highlights
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![a couple purchasing their rental property outside on a sunny deck shaking hands with their agent or broker]()
1 - 4 residential units
Single-family homes, townhomes, condos, duplexes, triplexes, and fourplexes.
FLEXIBLE LOAN TERMS
30- and 40-year loan options, including Interest-Only periods and Adjustable-Rate Mortgages (ARMs).
GENEROUS FINANCING
Up to 85% Loan-to-Value (LTV).
Loan sizes from $50,000
SIMPLIFIED QUALIFICATIONS
No DSCR requirement, simplifying your path to financing.
No tax returns needed, streamlining the application process.
Minimum FICO score of 600.
First-time investors eligible, welcoming newcomers to explore new investment frontiers.
CREATIVE LOAN STRUCTURES
Tailored financing solutions to meet your unique needs.
QUICK CLOSINGS
Estimated closing in 2-4 weeks, so you can seize opportunities swiftly.
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![broker or agent speaking with borrower explaining loan products to them]()
5+ Multifamily units
Ideal for expanding your portfolio with larger residential or mixed-use investments.
FLEXIBLE LOAN TERMS
30-year loans, with Interest-Only periods and ARMs available.
GENEROUS FINANCING
Up to 75% Loan-to-Value (LTV).
SIMPLIFIED QUALIFICATIONS
Minimum DSCR of 1.0x required.
No tax returns needed
Minimum FICO score of 600.
Experienced investors only
QUICK CLOSINGS
Estimated closing in 30 days
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![high rise commercial rental properties]()
COMMERCIAL PROPERTIES
Including office spaces, retail units, warehouses, senior living, student housing, hospitals, self-storage, hotels/motels, mobile home parks, gas stations, parking garage and lots, special use, cannabis, and industrial facilities.
FLEXIBLE TERMS
30-year loans designed for long-term commercial investments.
GENEROUS FINANCING
Up to 70% Loan-to-Value (LTV).
SIMPLIFIED QUALIFICATIONS
Minimum DSCR of 1.0x required.
No tax returns needed
Minimum FICO score of 650.
75% occupancy required to ensure investment viability.
CREATIVE LOAN STRUCTURES
Tailored solutions for complex commercial investments.
OWNER-OCCUPIED OPTION
Commercial units can be owner-occupied by a borrower-owned business, offering flexibility.
QUICK CLOSINGS
Estimated closing in 30-40 days, so you can push forward without delay.
ARE YOU ELIGIBLE?
Property Types:
1-4 unit residential properties, 5+ unit multifamily, mixed-use, and commercial properties.
Credit Score Requirements:
Minimum FICO score of 600 for 1-4 unit properties.
Minimum FICO score of 600 for 5+ unit and commercial properties.
Debt Service Coverage Ratio (DSCR):
No DSCR requirement for 1-4 unit properties.
Minimum 1.0x DSCR for 5+ unit and commercial properties.
Occupancy:
75% occupancy required for commercial properties.
Investor Experience:
First-time investors are eligible for 1-4 unit properties.
FAQs
What types of properties are eligible for Rental Property / DSCR Loans?
We finance nearly ALL property types. We will look at any scenario.
Do I need to provide tax returns or proof of income?
No, no tax returns are needed, simplifying the application process.
What is the minimum credit score required?
For 1-4 unit properties, a minimum FICO score of 600 is required. For 5+ unit and commercial properties, the minimum FICO score is 600.
How quickly can I receive funding?
We offer quick closings, with funding available in as little as 3-4 weeks for residential properties.
What is the Debt Service Coverage Ratio (DSCR) requirement?
There is no DSCR requirement for 1-4 unit residential properties. For 5+ unit and commercial properties, a minimum DSCR of 1.0x is required.
Are first-time investors eligible?
Yes, first-time investors are welcome for 1-4 unit residential properties.
