DSCR loans qualify on rent, not your tax returns. Bridge funding closes in 12 days. Multi-family up to 8 units, financed with one underwriter. Quietly built portfolios since 2009.
Bought from an estate sale at $246k. Stabilized rent $2,400/mo. 25% down, 30-yr DSCR at 7.18%. DSCR ratio 1.41. Closed in 22 days, no W-2s requested.
Distressed duplex purchased for $165k with $58k rehab. Bridge loan covered 85% of purchase + 100% of rehab. Refinanced into a 30-yr DSCR after stabilization at appraised $312k.
1925 brick six-plex, six 1-BR units fully occupied. 25% down, 25-yr commercial fixed at 6.92%. Investor's third property with us, lender remembered her file from 2022.
| Product | Min. down | Min. FICO | Today's rate | Best for | |
|---|---|---|---|---|---|
| DSCR 30-yr fixed | 20% | 660 | 7.24% | Long-term rentals · No tax docs | Quote |
| DSCR 5/1 ARM | 20% | 660 | 6.84% | Plan to refi or sell within 5 yrs | Quote |
| Bridge / fix-and-flip | 15% | 660 | 9.50% | Short-term rehab, 12-mo term | Quote |
| Conventional investor | 15% | 700 | 7.62% | SFR rentals, doc'd income | Quote |
| Multi-family 5–8 unit | 25% | 680 | 6.92% | Small apartment buildings | Quote |
| Portfolio blanket loan | 25% | 700 | 7.45% | 5+ properties, one mortgage | Quote |
| Bank-statement non-QM | 20% | 680 | 7.99% | Self-employed investors | Quote |
| Cash-out refi (rental) | — | 660 | 7.34% | Pull equity, redeploy capital | Quote |
The four-rung ladder our most successful investors follow. We finance every step on the way up — and we know your name and file from rung 1.
20% down DSCR loans, build cash flow, learn property management.
Pull equity from appreciated properties, redeploy as the next 20% down.
Scale into 4- and 6-unit small-apt deals. Better leverage, denser cash flow.
Roll 8–20 properties into one blanket loan with shared underwriting.
Soft credit pull, deal-level analysis, three-lender quote within 24 hours. No application fee.
Quote my next deal →