Our Non-Warrantable Condo DSCR Loans give investors the freedom to finance unique properties. From high investor concentration to short-term rental exposure, we simplify financing and refinancing.
Loans up to $5 million
Fixed-rate or interest-only options
Purchase and refinance programs
Our DSCR loans focus on property income, not HOA technicalities or borrower documentation. Whether you’re investing in a downtown high-rise or a resort-style complex, we structure loans that move fast and scale with your strategy.
Works for vacation, mid-term, or traditional leases.
Most loans close in weeks, not months.
Not borrower income or complex HOA rules.
Finance one or multiple non-warrantable units under one portfolio.
We evaluate deals like investors do. If your condo cash flows, you’re already halfway to approval.
$75,000 – $5,000,000
1.0+ (varies by leverage and market)
660 (lower considered with compensating factors)
Non-warrantable condos (single units or bulk portfolios), Condo-tels and mixed-use condo properties (case-by-case)
Up to 50% (varies by program and reserves)
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Tell us about the property and your strategy.
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Get pre-qualified based on property income.
03
Choose between fixed-rate or interest-only structures.
04
Our average close time is measured in weeks, not months.
“Their team is top notch. I’ve done multiple loans with them. Highly recommend.”
“This company is AWESOME...great communication and such a quick closing.”
New York City, Miami, Chicago, Los Angeles, Austin
Honolulu, Orlando, Scottsdale, Tampa
Nashville, Detroit, Minneapolis, Austin
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Currently unavailable in ND, SD, VT, and NV.
What makes a condo “non-warrantable”?
A condo is considered non-warrantable if it doesn’t meet Fannie Mae/Freddie Mac criteria — often due to investor ratios, commercial space, HOA litigation, or short-term rental activity.
Do you offer purchase and refinance programs?
Yes — both are available nationwide.
Can you finance condo-tels or mixed-use properties?
Yes, on a case-by-case basis. If the property cash flows and meets basic structural requirements, we’ll review it.
What’s the maximum loan amount?
Up to $5 million per property or portfolio.
Do you lend nationwide?
Yes — we’re active in 46 states with deep expertise in major condo markets.
Do you require personal income verification?
No. Approval is based on property cash flow (DSCR), not your W-2s or tax returns.
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
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