Programs Built for Real Estate Investors

Let the property's income do the qualifying.

Debt Service Coverage Ratio (DSCR) loans qualify based on the rental income of the investment property — not your personal income. If the property generates enough cash flow to cover the mortgage, you qualify. No income verification, no employment history required.

• No personal income verification
• Qualify on property cash flow
• Single-family, multi-family & short-term rentals
• Scale your portfolio faster

Qualify on your business's profit & loss — no tax returns required.

Profit & Loss loans are designed for self-employed borrowers and business owners who show strong revenue but whose tax returns may not reflect their true income. We use 12–24 months of P&L statements prepared by a CPA to qualify you for the financing you deserve.

• No tax returns required
• 12 or 24-month P&L accepted
• Ideal for self-employed borrowers
• Competitive rates & flexible terms

Use your deposits — not your tax returns — to qualify.

Bank statement loans allow borrowers to qualify using 12–24 months of personal or business bank statements. This is a powerful alternative for high-earning self-employed individuals whose write-offs reduce their taxable income on paper.

• Personal or business bank statements
• 12 or 24-month statement periods
• No W-2s or tax returns needed
• Purchase, refinance & cash-out options

Short-term capital to bridge the gap between opportunity and long-term financing.

Bridge loans provide fast, flexible short-term financing to acquire or reposition a property while you arrange permanent financing or complete a value-add project. Close quickly, stabilize the asset, then refinance into a long-term product.

• Close in days, not months
• Interest-only payment options
• Acquisition, renovation & stabilization
• Flexible exit strategies

Asset-based lending for investors who need to move fast.

Hard money loans are asset-based, short-term loans secured by the property itself. Approval is based primarily on the value of the collateral, making them ideal for fix-and-flip investors, developers, and anyone who needs capital quickly without the friction of traditional underwriting.

• Asset-based — credit is secondary
• Fast approvals & quick closings
• Fix-and-flip & new construction
• Loan amounts from $100K to $5M+