Quick Term Sheet
Quick Term Sheet
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DIRECT PRIVATE CAPITAL FOR BUILDERS

Builder's Capital

For Builders By Builders!

Bypass traditional banking bureaucracy. We deploy discretionary capital to underwrite non-owner occupied assets, delivering same-day term sheets based on deal equity.

Lending Criteria

DSCR Long Term Rental Loans Made Easy For Builders and Investors

Our debt solutions prioritize property rental income over personal leverage, enabling rapid portfolio expansion across multiple residential markets.

No Tax Returns

Flexible Terms

Asset Scope

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.

WE NOW OFFER CASHOUT DSCR REFINANCE!

SUBMIT LOAN
Request DSCR Quote
Asset-Backed Debt

Capital For DSCR Loans 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. NO TAX RETURNS REQUIRED!

1 to 1 Ratio

Minimum DSCR

80%

Max Purchase LTV

30 Yrs

Fixed & IO Options

The Formula

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.

The DSCR Equation
Scenario Example

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 meets or exceeds the debt service the asset qualifies for optimal leverage.

1 to 1 Ratio

Qualifying Ratio

A ratio above 1.00x means the property cash-flows positively. We fund down to 1% standard terms, and down to .80x on select assets.

Request DSCR Quote

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.