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Investor Financing
Non-Owner 1-4 Units - SFR, Condo, Townhomes, 2-4 Unit Building
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RE Investing and Business Solutions
DSCR Loan - Debt Service Coverage Ratio

A DSCR loan (Debt Service Coverage Ratio loan) is a type of real estate investment loan that’s approved based on the income the property itself generates, rather than your personal income.

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Here’s how it works in simple terms:

  • The lender looks at how much rental income the property brings in each month.

  • Then they compare it to how much the loan payment (principal, interest, taxes, insurance, HOA) will cost each month.

  • That ratio is called the Debt Service Coverage Ratio (DSCR).​

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Fix and Flip - Rehab/Renovation loans

A fix and flip loan is a short-term loan designed for real estate investors who buy properties that need repairs, fix them up, and then sell them for a profit.

Here’s how it works in simple terms:

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  1. You buy a property that’s undervalued or needs renovation.

  2. You use the loan to cover both the purchase price and the rehab costs.

  3. You renovate the property to increase its value.

  4. You sell (“flip”) the property to pay off the loan and generate profit.

Ground Up Construction Loan

A ground-up construction residential loan is a loan used to build a home from scratch — starting with raw land (or a teardown lot) and covering everything through construction completion.Here’s how it works in simple terms:

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  1. You get approved for a construction loan based on your project plans, costs, and the home’s future value (called the After Construction Value).

  2. The lender releases funds in stages, called draws, as the construction progresses for example: Land purchase, Foundation, Framing, Finishes.

  3. You or your builder use those draws to pay for materials and labor.

  4. When the home is finished, the loan usually converts to a regular mortgage or gets paid off through a sale or refinance.

Bridge Loan

A bridge loan is a short-term loan that helps you “bridge the gap” between two financial events usually when you need money quickly before longer-term financing is ready.

Here’s how it works in simple terms:

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  1. You want to buy a new property, but your current one hasn’t sold yet (or permanent financing isn’t ready).

  2. A bridge loan gives you temporary funds to close on the new property right away.

  3. Once your old property sells or long-term financing is arranged, you pay off the bridge loan.

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