DSCR
Qualification may emphasize qualifying property cash flow, with lender-specific ratios, reserves and property rules.
Investor financing
Finance the asset. Protect the exit.
Investment loans are judged by more than rate. We model rent, reserves, debt service, seasoning, rehab, prepayment terms and refinance or sale timing.
Underwrite the financing before it underwrites you.
A low down payment can improve leverage and still weaken the deal if the payment, prepayment penalty or reserve requirement blocks the exit. We make those frictions visible upfront.
- DSCR using verified program definitions—not a homemade ratio passed off as approval
- Conventional investment financing and eligible multi-unit options
- Bank-statement, 1099 and other non-QM income documentation scenarios
- Bridge and fix-and-flip financing with exit assumptions documented
- Portfolio-level comparison when refinancing or cross-collateral choices compete
Investor paths
Match the loan to the property, income and hold plan.
Conventional
Agency-eligible investment loans may offer attractive long-term financing when borrower and property rules fit.
Non-QM
Alternative documentation programs can address self-employment or complex income, subject to ability-to-repay and investor guidelines.
Bridge / rehab
Shorter-term financing may support acquisition and improvements when the exit is defined and adequately supported.
Multi-unit
Two- to four-unit residential properties require careful treatment of occupancy, rents and reserves.
Commercial referral
Five-plus-unit and business-purpose transactions may require commercial or specialized lending partners.
Business-purpose and non-QM products may have different terms, consumer protections and prepayment provisions. Product availability varies by state, lender and scenario. Program descriptions are general information, not offers or eligibility determinations.
Before the deal is committed
Send the property. We’ll pressure-test the debt service.
A scenario review is not an approval, commitment, rate quote or guarantee of eligibility.