Attention: You can now buy the rate down using 1 point (being charged 3 total points that you pay the lender, instead of 2 points) — reducing the rate. For example: from 12% (standard interest rate) to 9.99%
Program Terms: We provide approval in less than 24 hours. As a direct lender, we have full discretion and the funds on hand to close quickly. We pride ourselves on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.
"No Experience Needed"
Loan Amounts
$100K – $2M
Rates
8.90% – 10.90%
Term
6–18 months (w/ extension options)
Property Types
Residential (SFR & 2-4 Unit)
✔ NO Appraisal Required (on most loans): Save $695 and 30 days!
✔ NO Junk Fees | Points: 2.0% – 3.0%
✔Minimal Docs required: Basic Biz docs.
✔ Payment: Interest Only , No pre-payment penalty
✔ $1,995 Doc Fee
✔ Financing for purchase and renovation costs
✔ LTC: Up to 93% (90% of Purchase, 100% of Rehab)
✔ LTV: Up to 75%
✔ Quickest draw process in the industry
✔ Nationwide (see excluded states)
🧮 Fix & Flip Product 5 – Leverage Example
Let’s walk through a sample deal using this product:
Fix and Flip NO MONEY DOWN Product 9 (740+ credit score)
With Monthly payments
Available: In All 50 States
• Minimum Loan $100K to Max $500K
• Rehab not to exceed 50% of purchase price
• Property type: 1–4 unit residential only
• ❌ No rural properties allowed
• Up to 90% Loan to Cost
• Must not exceed 70% ARV
🧮 Fix & Flip Product 9 (No Money Down) – Leverage Example
Let’s assume the investor is working on this property:
Purchase Price: $250,000
Rehab Budget (Max 50% of Purchase): $125,000
Total Project Cost (LTC Base): $375,000
After Repair Value (ARV): $535,000
🔢 Leverage Guidelines for Product 9
💼 DSCR Loans & 100% Investor Financing Flexible Capital Solutions for Real Estate Investors (680+ credit score)
With Monthly Payments
Available: In All 50 States
🏠 Who It's For Credit Score: 680+ (Best rates at 720+)
New & Experienced Investors Welcome
Experienced investors can use HUD statements as proof.
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What is a DSCR Loan?
A DSCR Loan (Debt Service Coverage Ratio) is a powerful financing option for real estate investors who want to leverage rental income without providing tax returns, W2s, or personal income verification. Key Features: ✅ No Tax Returns / No W2s / No DTI Required
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Close in as little as 20 days
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Use Rental Income to Qualify
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Cash-Out Refinance Options Available
✅ Rates starting at 6.5% (credit-based) Still pricing at just 1.5 points
📊 How It Works – DSCR Formula
The DSCR is calculated using: DSCR = Net Operating Income ÷ Debt Payments To qualify, your DSCR score should be 1.05 or higher. A property is considered cash flowing if the rental income covers or exceeds the mortgage payment.
Example 1 – Pass: Purchase Price: $200K
Rent: $2,000/month
Mortgage: $1,400/month
DSCR = 2000 ÷ 1400 = 1.43 (Pass)
Example 2 – Fail: Purchase Price: $170K
Rent: $1,200/month
Mortgage: $1,400/month
DSCR = 1200 ÷ 1400 = 0.86 (Fail)
Property Types:
Single-family
2–4 units
Multi-family
Short-Term Rentals / Airbnbs
Loan-to-Value (LTV): 80–85%
5+ units require 20% down
Stabilized Bridge: Up to 70% LTV
🔁 Cash-Out Refi Example
Own a free & clear property? You can pull equity with a cash-out DSCR refi and walk away from the table with no money down. Case Study: Property Value: $140K
Needed Repairs: $50K
LTV Refi @ 75% = $105K
Funds are pulled from the equity—no personal funds needed.
🟣 100% Financing for Elite Investors
Unlock 100% financing when you meet these criteria: Requirements: 750+ Credit Score