Who We Serve
Mortgages for Real Estate InvestorsQualify on the property's income and keep scaling.
Qualify on the property's cash flow, not your personal tax returns. DSCR and investor programs built to keep your portfolio growing.
Senior-mortgage-banker review. No SSN or hard credit pull to start.
4.9 from 44 reviews
NMLS ID 2653540
Min credit score
620+
Down payment
15%
Max DTI
None
Loan programs for real estate investors
Matched to this profile. Ideal fits first.
Alternative Income Loans
Innovative financing solutions for self-employed and non-traditional income earners who don't qualify through traditional documentation.
Specialty Loans
Specialized lending solutions for unique situations, including foreign nationals, fix-and-flip investors, and non-traditional borrowers.
Do you qualify?
Typical thresholds for this profile. Concrete numbers, not vague promises. If you land outside them, a senior mortgage banker can usually find another path.
620+
credit score
As low as 620. Program minimums vary.
15%
minimum down
As low as 15% down. Program minimums vary.
No DTI on DSCR
There is no DTI on a DSCR loan. We accept all ratios: zero, under 1, and above 1.
Flexible documentation
Qualify with bank statements or tax returns. We match the documentation path to your situation.
Property types
Single family homes, PUDs, condos including non-warrantable and condotel, and multifamily up to 8 units. Short-term rental and vacant properties allowed.
DSCR loans, structured for investors
- We offer DSCR loans to $4 million. Most lenders cap at $2 million.
- All ratios qualify: zero, under 1, and above 1. Most lenders require a 1 DSCR ratio. We are one of the few lenders with an absolute zero ratio.
- There is no DTI on a DSCR loan.
- Available on single family homes, PUDs, condos (including non-warrantable and condotel), and multifamily up to 8 unit.
- Unlike most lenders, we allow short term rental properties and vacant properties.
- Cash out options are available, including second lien cash out on DSCR.
- Close in a legal entity.
- These are business purpose loans, so we do not have the disclosure waiting periods traditional lenders do.
Our Private Client Process
Our process assigns a dedicated licensed mortgage advisor throughout your home financing journey.
Dedicated Advisor
A licensed mortgage advisor is assigned to guide you through your entire home financing journey.
Specialist Support
Your advisor assigns dedicated specialists to assist with specific needs throughout the process.
Technology & Expertise
We utilize leading technology and best practices coupled with personalized attention.
Senior management is also available should a situation arise needing their expertise or escalation.
Not sure where you fit?
Talk it through with a senior mortgage banker. Hundreds of programs, loans to $20 million, and closings in as few as 14 days.