Program Highlights

  • No Income Verification

    No Income Verification

    No personal income verification required; underwritten using DSCR instead of personal DTI. We take 100% to 120% of the subject rental to qualify

  • High LTV and LTC

    Seeking maximum leverage? Our loan-to-value ratio of up to 80% and loan-to-cost ratio of up to 90% will minimize your down payment, optimizing your financing.

  • Competitive Rates

    We partner with you to secure your deals, offering market-leading rates to keep financing costs low and drive your success.

  • Flexible Options

    Flexible Options

    Close in personal name or entity with fully amortized or interest-only options, featuring a flexible prepayment penalty structure.

Our Programs

  • D S C R

    Qualify based on your property’s cash flow, not personal debt-to-income. We use 100% to 120% of the rental.

  • Bank Statement

    Ideal for self-employed borrowers. Use 12–24 months of bank statements to prove income.

  • P&L Only

    Qualify based solely on accountant-prepared profit & loss statements without any business or personal bank statements.

  • 1099 Only

    Qualification based on 90% of your most recent 1099 income. No tax returns required, simplifying the process for fast and flexible financing.

  • Asset Depletion / Utilization

    Using liquid assets as income for loan qualification. No tax returns needed.

  • ITIN / Foreign National

    Loans available for non-residents with Individual Taxpayer Identification Number and foreign national borrowers.

  • Fix & Flip

    Quick funding for purchase and renovation; draw schedules for rehab costs.

  • Bridge

    Short-term financing to bridge the gap between transactions; fast approvals and funding.

  • Ground-Up Construction

    Finance new construction projects with flexible terms and interest-only payments during the build.