Home Loan Programs
DSCR Loans
DSCR loans are designed for real estate investors who want to qualify based on a property’s cash flow instead of personal income. Approval is primarily driven by the property’s Debt Service Coverage Ratio (DSCR), which compares rental income to the monthly housing payment, making this a strong option for long-term rentals and many short-term rental scenarios. DSCR loans can be used to purchase or refinance investment properties, often allow title in an LLC, and are built for investors who want a streamlined path to scaling a portfolio.
Fix and Flip
Fix and flip loans are short-term financing options built for investors who buy properties that need improvements and plan to sell or refinance after renovations. These programs are structured to fund the purchase and, in many cases, the rehab budget, so you can move quickly on distressed or value-add properties. Approval focuses heavily on the deal itself, including the after-repair value (ARV), scope of work, and the investor’s plan to execute, making it ideal for projects where speed and flexibility matter more than traditional underwriting.
Bridge Loans
Bridge loans provide temporary financing that helps investors act fast when timing is critical, such as buying before selling another property, securing a deal with a tight closing window, or stabilizing a property before refinancing into long-term debt. These loans are typically short-term and designed to “bridge” the gap to your next financing exit, whether that’s a sale, cash-out refinance, or a DSCR loan once the property is rent-ready. They’re a great fit for investors who need quick access to capital and a clear path to the next step.
Commercial Loans
Commercial loans are used to finance income-producing properties that fall outside standard residential guidelines, such as multifamily (typically 5+ units), mixed-use buildings, retail, office, and other commercial real estate. These loans focus on the property’s income, operating expenses, and overall performance, and they’re often structured with terms that match the business plan, such as longer amortizations, adjustable rates, or balloon options. Commercial financing is ideal for investors looking to acquire, refinance, or expand into larger assets and more complex properties.
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