Our Single-Family Portfolio DSCR Loans make it simple to acquire, refinance, and scale multiple properties under one loan.
Loans up to $10 million
Fixed-rate or interest-only options
Purchase and refinance programs
Traditional mortgage lenders underwrite like you’re buying a home, not running a business. We flip that model by focusing on how your rentals perform as a portfolio.
Your portfolio income, not your W-2s, determines eligibility.
Portfolio loans close in weeks, not months, helping you seize opportunities quickly.
Consolidate or expand without juggling separate closings.
Build and refinance across multiple states with one trusted partner.
We evaluate deals like investors do. If your portfolio cash flows, you’re already halfway to approval.
$75,000 – $10,000,000
Minimum DSCR: 1.0+ (varies by leverage and market)
660 (lower accepted with compensating factors)
Single-family homes, condos, townhomes, 2–4 unit properties, & portfolios
Appraisal, current lease or rent roll, credit profile
01
Tell us about the property and your strategy.
02
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, Boston, Philadelphia, Washington DC
Miami, Atlanta, Dallas, Houston, Charlotte
Chicago, Detroit, Minneapolis
Los Angeles, Phoenix, Denver, Seattle
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 is a Single-Family Portfolio DSCR Loan?
It’s a loan underwritten primarily on your portfolio’s rental income and debt coverage ratio — not your personal income or tax returns.
Do you offer purchase and refinance programs?
Yes — for both acquisitions and refinances, including cross-collateral options.
Where are these loans available?
In 46 states and all major metropolitan markets.
What’s the maximum loan amount?
Up to $10 million, depending on property count and location.
What repayment options are available?
Choose between fixed-rate or interest-only structures, depending on your strategy.
Who qualifies?
Investors with credit scores above 660 and income-producing properties with positive DSCR.
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
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