Our Single-Family Residential DSCR Loans offer flexible, property-based financing for real estate investors. Scale or refinance your portfolio with confidence.
Loans up to $5 million
Fixed-rate or interest-only options
Purchase and refinance programs
Traditional mortgages are built for homeowners, not investors. DSCR loans flip that model by focusing on your property’s income potential instead of tax returns or DTI ratios.
Qualification is based on proven or projected Airbnb and VRBO rental data, not your W-2. If your property cash flows, you can qualify.
Investors can’t afford to lose deals; we move in weeks, not months.
One loan partner for both single properties and multi-state portfolios.
Choose long-term fixed rates for stability or interest-only terms to maximize cash flow.
We evaluate deals like investors do. If your SFR cash flows, you’re already halfway to approval.
$75,000 – $5,000,000
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 Residential DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is underwritten primarily on the property’s rental income versus its debt obligations — not your personal income.
Do you offer purchase and refinance programs?
Yes — we support both acquisition and refinancing.
Where are these loans available?
In 46 states and all major metropolitan markets.
What’s the maximum loan amount?
Up to $5 million per property.
What repayment options are available?
Fixed-rate and interest-only structures, depending on your investment goals.
Who qualifies?
Real estate investors with credit scores above 660 and properties that generate sufficient rental income.
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
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