Stability You Can Scale

Rent-Based Loans. Growth-Based Strategy.

  🔍 Program Guidance
  
      Property Types
      Non-owner occupied 1–4 family rental properties, multifamily, and mixed-use
    
      Loan Term
      30-Year Amortization
Renewable every 3 years
    
      Purpose
      Refinance only (cash-out available)
    
      DSCR Requirement
      Typically 1.2x (may vary by property and experience)
    
      Interest Rates
      Starting at 10.9%
    
      Origination Fees
      Starting at 2%

Qualify based on property income – not personal tax returns or employment.

Use existing cash flow – to unlock financing for your next investment.

Expand your portfolio – even with non-traditional income or self-employment.

Secure long-term financing – with low documentation and competitive terms.

🗂️ What Do I Need to Submit?

Last 2 Months Bank Statements (rental account)
Trailing 12-Month Operating Statement (T12)
Current Rent Roll & Lease Agreement(s)

We take a common-sense, deal-first approach. We look at the property, project, and your experience together. Once we receive your full submission, you’ll usually have a clear direction on your loan within 48 hours.