Capital scaled to rental cash flow
Acquire and refinance non-owner occupied residential properties. We underwrite the asset's performance directly, bypassing personal tax returns to deploy capital rapidly.
1.20x
Minimum DSCR
80%
Max Purchase LTV
30 Yrs
Fixed & IO Options
Structured for portfolio scale
Our debt solutions prioritize property rental income over personal leverage, enabling rapid portfolio expansion across multiple residential markets.
Income-independent qualification
Thirty-year fixed debt
Single assets to portfolios
We qualify the loan using the property's rental revenue. Your personal debt-to-income ratio and historical tax returns do not restrict your leverage.
Protect your cash flow against interest rate volatility with thirty-year amortization schedules or interest-only payment periods.
Finance individual non-owner occupied rentals or consolidate an entire multi-family portfolio under a single structured debt facility.
How we calculate DSCR
Debt Service Coverage Ratio measures the property's ability to cover its debt obligations. We divide gross monthly rental income by the full monthly mortgage payment.
Gross Rent ÷ PITIA
$3,000 Rent ÷ $2,400 PITIA
PITIA represents the total monthly housing expense: Principal, Interest, Taxes, Insurance, and any applicable Association dues.
This yields a 1.25x DSCR. Because the rental income exceeds the debt service by twenty-five percent, the asset qualifies for optimal leverage.
1.25x
Qualifying Ratio
A ratio above 1.00x means the property cash-flows positively. We fund down to 1.20x with standard terms, and down to 1.00x on select assets.
Secure your term sheet
Submit your rental asset details today. Our direct lending team will underwrite the property and issue a formal DSCR quote within forty-eight hours.