Debt Service Coverage Ratio (DSCR) loans qualify based on property cash flow, not personal income. Perfect for investors with multiple properties or complex tax situations.
Refinance your existing investment property to secure better rates and terms without taking cash out. Lock in lower rates and extend your loan term to improve cash flow on your investment properties.
Access your property's equity to fund new investments, renovations, or other financial goals. Pull out capital from your existing rental properties while keeping them performing.
Specialized financing for short-term rental properties with Airbnb income qualification. We understand the STR market and structure loans to fit your Airbnb or VRBO investment strategy.
Financing solutions for co-living and multi-tenant rental properties. Maximize your rental income by renting by the room with purpose-built co-living financing that accounts for multiple tenant income streams.
Creative financing where the seller holds a second position lien, reducing your out-of-pocket down payment. Perfect for the "Mortgage Or Rent By Yourself" (MORBY) strategy to acquire more properties with less capital.
Secondary financing to supplement your primary mortgage or access additional capital. Leverage your existing equity without refinancing your first mortgage — ideal when you have favorable terms on your primary loan.
Straightforward qualification based on your property's performance
Must be a non-owner occupied investment property — single family, 2–4 units, or approved multi-family.
Rental income must cover total monthly payments. A DSCR of 1.0 or higher typically qualifies — higher ratios earn better rates.
We start with a soft credit pull that doesn't impact your score. No hard inquiry until you're ready to proceed.
Closings in as little as 2–3 weeks. Our streamlined process gets your investment financed quickly.
Get started today with a free consultation. Our mortgage advisors are standing by to help you secure the best rates and terms.
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