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1-4 & 5-8 Unit rental purchase / cash-out up to 80%-85% LTV. Zero tax returns required.
Buy, Rehab, Rent, Refinance, Repeat. Complete bridge to 30-year DSCR cash-out debt.
Up to 100% Purchase & Rehab costs capped at 75% After-Repair Value (ARV).
Value-add, DSCR rental & construction debt from $100K to $20M+ for 5+ unit assets.
Unlock investment equity up to 80% CLTV while protecting your low 1st rate.
Fast short-term capital up to 85% LTV to buy before selling or release equity.
Explore wholesale lender guidelines across DSCR rental loans, BRRRR strategy execution, fix & flip rehab capital, 5+ unit multifamily debt, standalone HELOC lines, and bridge financing.
Qualify strictly on property rental income with zero personal tax returns or DTI checks for 1-4 SFRs and 5-8 unit properties.
Buy, Rehab, Rent, Refinance, Repeat. Combine short-term acquisition debt with 30-year DSCR cash-out refis to recycle equity.
Short-term capital funding up to 100% of purchase price and 100% of rehab budgets up to 75% After-Repair Value.
Tailored permanent, value-add bridge, and construction debt for 5+ unit apartment complexes and mixed-use properties.
Tap into accumulated investment equity without refinancing or disturbing your low-rate first mortgage.
Fast liquidity debt to acquire properties before selling, submit non-contingent offers, or stabilize transitional assets.
| Program Category | Eligible Collateral | Max Leverage (LTV / LTC) | Loan Range | Income / Underwriting Basis | Primary Benefit |
|---|---|---|---|---|---|
| DSCR Investment Rental | 1-4 SFR, Duplex, Condos, 5-8 Units | 80% – 85% LTV | $100K – $5,000,000 | Property Gross Rent vs PITIA (DSCR) | Zero Tax Returns & Unlimited Properties |
| BRRRR Strategy Loans | 1-4 Unit SFR, Condos, 5-8 Units | 90% Purch / 100% Rehab / 80% Refi | $100K – $5,000,000 | Bridge Debt + DSCR Cash-Flow Exit | Recycle Equity & Scale Portfolio Non-QM |
| Fix & Flip Rehab Loans | 1-4 Unit SFR, Condos, 5+ Multifamily | 90%-100% Purch / 100% Rehab | $75K – $15,000,000 | ARV SOW Budget & Past Track Record | Fast 24-Hr Construction Draw Turns |
| Multifamily & Commercial | 5+ Unit Residential & Mixed-Use | 85% LTC / 80% LTV | $100K – $20,000,000+ | Property NOI & Stabilized Exit DSCR | High Ticket Sizing & Flexible Credit |
| DSCR HELOC / 2nd Lien | 1-4 SFR & 5-8 Residential Units | 75% – 80% CLTV | $100K – $2,500,000 | Property Cash Flow & FICO Tier | Tap Equity Without Refinancing Low 1st Rate |
| Short-Term Bridge Loans | 1-4 SFR, Multifamily, Commercial | Up to 85% LTV | $100K – $15,000,000 | Asset Equity & Exit Strategy | Buy Before Selling with Interest Reserves |
Understand income documentation requirements, DSCR calculations, BRRRR strategy execution, fix & flip rehab leverage, and fast closing timelines.
DSCR (Debt Service Coverage Ratio) loans evaluate the gross rental income of the property versus its monthly debt payment (PITIA). Qualification requires zero personal tax returns, W-2s, or DTI limits, allowing real estate investors to build unlimited rental portfolios.
The BRRRR method combines short-term acquisition and rehab debt (funding up to 100% of renovation costs) with a seamless exit into a 30-year DSCR cash-out refinance. This allows you to pull out up to 75%–80% of your new After-Repair Value (ARV) to recycle into your next deal.
Select premier rehab programs finance up to 90%–100% of the purchase price and 100% of the construction budget, capped at 75% After-Repair Value (ARV). Contractor draws are disbursed in as fast as 24 hours to keep job sites on schedule.
Commercial programs support loan amounts from $100,000 to over $20,000,000, with up to 80%–85% LTC across bridge, DSCR rental, and ground-up construction. Flexible Non-DSCR options are available for lower occupancy or credit turnaround scenarios.
Yes. Standalone DSCR HELOCs and closed-end 2nd liens allow you to unlock up to 75%–80% CLTV in cash on 1-4 SFRs and 5-8 unit rental properties while keeping your low-rate 1st mortgage completely intact.
Short-term bridge debt and fix & flip loans can close in as few as 7 to 10 days. Permanent DSCR typically close in 14 to 21 days with streamlined appraisal and in-house valuation options.
Match your deal scenario across 240+ wholesale lender matrices in under 2 minutes, or schedule a direct strategy session to receive your custom term sheet.