Investor & DSCR

Investor-purpose capital, built for the way portfolios actually grow.

DSCR, SFR portfolio, and investor-purpose executions structured around asset cash flow, sponsor experience, and portfolio strategy.

Loan Products

Executions for every stage of the investor cycle.

From the first rental acquisition through structured portfolio-level recapitalization.

DSCR loans

Qualification driven by property cash flow rather than personal income.

Rate outlook

6.125% – 7.875% qualified · 8%+ weaker files

SFR portfolio financing

Portfolio-level executions across scaled rental holdings.

Rate outlook

~7% – 10%+ by asset, DSCR, leverage

Rental acquisition

Purchase capital for single-family and small multifamily assets.

Rate outlook

6.125% – 7.875% · up to 80% LTV

Rate-term refinance

Reposition existing rental debt to better terms.

Rate outlook

6.125% – 7.875% · up to 80% LTV

Cash-out refinance

Extract equity to redeploy across the portfolio.

Rate outlook

6.75% – 8.50%+ · up to 75% LTV

Foreign national / non-DSCR

Overseas investor executions on U.S. investment real estate.

Rate outlook

6.875% – 8.50%+ · 65% – 75% LTV

Underwriting Approach

Cash flow qualification. Investor-first structure.

DSCR executions qualify based on the property's income, not tax returns. Portfolio structures aggregate rental holdings under a single execution so investors can scale without the friction of conventional consumer underwriting.

Rate ranges are indicative market guidance as of July 2026 and are not a commitment to lend. Final pricing depends on DSCR, leverage, FICO, reserves, experience, property type, and lender guidelines.

Investor Case Studies

Representative investor executions.

All case studies

Investor / DSCR·Florida

SFR portfolio recapitalization for a scaling operator.

Asset: SFR portfolio · 22 doors
Loan amount: $5.1M
Structure: DSCR portfolio · 30-yr
Rate: 7.25%
LTV / LTC: 75%

Challenge

Operator was managing 22 rentals across multiple one-off DSCR loans with mismatched terms and maturities.

Solution

Consolidated the portfolio under a single 30-year DSCR execution with unified reporting and a cash-out component.

Outcome

Freed ~$780K in equity to redeploy into three additional acquisitions in the following quarter.

Investor / DSCR·Georgia

DSCR cash-out refinance on a stabilized rental duplex.

Asset: Small multifamily · 1–4 unit
Loan amount: $385K
Structure: DSCR cash-out · 30-yr fixed
Rate: 7.125%
LTV / LTC: 75%

Challenge

Investor needed liquidity for the next acquisition without triggering personal-income underwriting.

Solution

Qualified the loan on property cash flow, not tax returns, and priced against a DSCR of 1.28x.

Outcome

Closed in 24 days with $92K in tax-deferred cash-out proceeds.

Rate ranges are indicative market guidance as of July 2026 and are not a commitment to lend. Final pricing depends on DSCR, leverage, FICO, reserves, experience, property type, and lender guidelines.

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Servicing 48 States

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