Investment loans
Financing for investors and builders
Rental purchases, equity lines, and ground-up construction — underwritten on the deal, not just your W-2.
HELOC
Tap the equity you have already built, and only pay for what you use.
- Revolving credit line
- Interest-only draw period
- Keep your first mortgage rate
DSCR Loan
Qualify on the property's rent, not your tax returns.
- No personal income docs
- Vesting in an LLC allowed
- Unlimited financed properties
Construction Loan
Finance the build, then roll into permanent financing.
- Draw schedule funding
- One-time-close options
- Builder review support
Common questions
How is a DSCR loan approved?
The lender compares the property's monthly rent to the monthly payment. If rent covers the payment (usually a ratio of 1.0 or better), the deal can qualify without tax returns or pay stubs.
Can I hold the property in an LLC?
Yes. DSCR and most commercial programs allow title and financing in an LLC, which is why investors often prefer them over conventional financing.
How does a construction loan fund?
Funds release in draws as the build hits milestones. You pay interest only on what has been drawn, then convert to permanent financing at completion.
Does a HELOC replace my first mortgage?
No. A HELOC sits behind your existing loan, so you keep your current rate and only borrow what you need from the line.
Have a deal on the table?
Send us the address and the rent, and we will tell you quickly whether it pencils out.