Scale from 2 units to 20 or beyond. DSCR loans, bridge financing, and portfolio strategies for the investor who is not done yet. No W-2s. No tax returns. Close in your LLC.
Most investors hit a wall. The bank says no. The W-2 does not cover it. The tax returns look terrible because you are a real estate investor. That is exactly where we come in. We specialize in the financing tools that let you keep building — DSCR loans that qualify on rental income, bridge loans that let you move fast, and a repeatable cycle that lets you scale without depleting cash or triggering capital gains.
DSCR loans use the property's rent to qualify — not your W-2 or tax returns. If the rent covers the payment, you qualify. The most powerful tool for scaling without personal income limits.
Protect your assets and keep your portfolio organized. All of our primary DSCR and bridge programs allow LLC, LP, and corporate entity borrowers — something most retail banks will not offer.
Bridge loans close in days, not months. When the right deal appears, you will not lose it to a cash buyer. Fix it, stabilize it, then refinance into a long-term DSCR loan.
DSCR loans are non-QM products — they do not count against your conventional loan limit. You can hold 10 Fannie/Freddie loans AND multiple DSCR loans simultaneously.
Once a property seasons, use a DSCR cash-out refinance to pull equity tax-free (it is a loan, not income) and deploy it into the next deal. Your equity keeps working instead of sitting idle.
Airbnb and VRBO income counts. We use AirDNA market data to qualify short-term rentals — even with no rental history. Ideal for vacation markets and high-yield STR strategies.
This is the repeatable system serious investors use to scale without hitting the wall:
Find a property that cash flows at 1.0x+ DSCR — or a value-add deal with upside. We will run the numbers with you before you make an offer.
Use a DSCR purchase loan (for stabilized rentals) or a bridge loan (for value-add or fast closes). Close in your LLC. No W-2s, no tax returns.
Get the property rented, improve the NOI, and let it season (typically 6-12 months). The property builds equity and rental history simultaneously.
Pull equity via a DSCR cash-out refi. The proceeds are a loan — not income — so no capital gains, no income tax. You now have liquid capital to deploy.
Deploy the cash into the next deal. Each cycle builds your portfolio, your equity base, and your cash flow — compounding over time.
There is no hard cap. DSCR loans are non-QM products and do not count against your conventional Fannie/Freddie loan limit. We have clients with 20+ DSCR loans across their portfolio. Each loan is underwritten on the individual property's cash flow, not your total debt load.
We have programs as low as 0.50x DSCR, and even no-ratio programs for experienced investors with strong compensating factors. A 1.0x DSCR means the rent exactly covers the payment. Most programs prefer 1.0x-1.25x, but we have options for deals that do not cash flow perfectly.
You use a short-term bridge loan (typically 12-24 months) to acquire and renovate a property quickly. Once it is stabilized and rented, you refinance into a long-term DSCR loan. The bridge loan lets you move fast and compete with cash buyers; the DSCR refi gives you the long-term hold financing.
Yes. A DSCR cash-out refinance lets you pull equity from an existing investment property based on the property's rental income — not your personal income. The proceeds are a loan, not taxable income. Most programs allow up to 75-80% LTV on cash-out refis.
No. DSCR loans qualify entirely on the property's rental income. We have programs that require zero personal income documentation. Your W-2, tax returns, and employment history are not factors.
Yes — and we strongly recommend it for asset protection. All of our primary DSCR and bridge programs allow LLC, LP, and corporate entity borrowers. This is one of the biggest advantages of working with a broker versus a retail bank.
Steve is licensed in New York and Florida. DSCR loans are available in all 50 states through our wholesale lender network. Bridge and non-QM programs vary by state — contact us to confirm availability in your market.
Get pre-qualified in 48 hours. No cost, no commitment, no W-2 required.