Frequently asked questions

A Debt-Service Coverage Ratio loan qualifies based on the property's rental income relative to its total monthly debt obligation (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0x means rent equals the payment. No personal income verification is required.

Most lenders typically look for a minimum credit score around 660, with stronger credit generally providing access to more competitive rates, leverage, and loan options. However, credit requirements vary by lender, loan program, and overall deal strength, and low-credit and no-credit options may be available in certain scenarios. If your credit falls outside typical guidelines, we can review the deal and determine what financing options may still be available.

DSCR loans typically close in 21–30 business days from a complete application. Bridge and rehab loans vary based on scope. Construction loans generally require 30–45 days. Providing a complete file upfront is the single biggest factor in closing speed.

No, but many investors prefer to hold investment properties in an LLC for liability protection and estate planning purposes. Most of our lending partners accommodate LLC and other entity borrowers with no significant pricing difference.

Yes — select lenders accept short-term rental income using market data from sources like AirDNA. This is program- and market-dependent, so discuss your specific property with us.

We are a mortgage brokerage, not a direct lender. This means we represent your interests as a borrower and shop your scenario across multiple lenders to find the best fit — giving you access to more programs and competitive pricing than going to a single lender.

Generally $100,000 for DSCR loans and $75,000 for rehab loans. Construction loans typically start at $200,000. We work with most standard investment property deal sizes.

Our primary focus is residential investment properties (1–4 unit SFR and small multifamily). Select commercial scenarios are considered on a case-by-case basis. Contact us to discuss your specific situation.

As a brokerage, we earn an origination fee that is disclosed in advance of any application. Fee structures vary by loan program and size. There are no upfront fees to explore your options.

Yes, on a case-by-case basis. DSCR loans are often accessible to first-time investors when the property has strong rental income. Rehab and construction loans generally require some prior experience or a strong construction team.