1-4 Unit
DSCR Details
Property Type
Specifically designed for 1-4 unit residential dwellings including single-family homes, condos, townhouses, and multi-family properties intended for long-term or short-term rentals.
DSCR Calculation
Qualification relies on the Debt Service Coverage Ratio. We analyze property gross income versus debt obligations. Ratios as low as 0.85x may be considered.
Asset Leverage
Max LTV up to 80%. We provide the capital needed to scale your real estate portfolio aggressively without personal DTI constraints.
No Income Docs
No tax returns, W2s, or employment verification required. Ideal for self-employed investors or those with complex financial profiles who need a high-speed, streamlined closing process.
Locations
All States Except: CA, MI, ND, and SD
Small Balance Commercial
Property Type
Multifamily, Mixed-Use (Retail and Multifamily), Light Industrial/Warehouse, Retail, Office, Self-Storage, Mobile Home Parks, Daycare, Automotive, Restaurant *Hospitality & Specialty Use considered on case-by-case basis
DSCR Calculation
Qualification relies on the Debt Service Coverage Ratio. We analyze property gross income versus debt obligations. Ratios as low as 1.1x may be considered.
Asset Leverage
Top Market = Max 75% LTV
Standard Market = Max 75% LTV
Small/Very Small Market = Max 70% LTV
Loan Structure
Loan sizes range from $250k-$5.00MM. Offering 5/6, 7/6, 10/6 adjustable-rate terms as well as fixed rate options on either 25-year or 30-year amortizations.
Locations
All States Except: CA, MI, MN, ND, NV, SD, VA, and VT