Financing built around
the deal, not your day job.
Pricing and leverage are quoted live for your exact property and state — because no two deals are the same. Here's what never changes:
Rates change daily and every scenario is different. Rather than post a number that's stale by lunch, Robert prices your specific deal — purchase or refi, by state, by property — in real time.
Get today's rate →From property to pre-approval in three moves.
Run the numbers
Drop in rent, taxes, insurance, and your target loan. Our calculator returns your DSCR ratio and qualification band instantly — before you ever talk to a human.
See your real rate
Share a few details and Robert hand-builds your scenario — rate, leverage, structure, and cash flow after debt service. No application required.
Close & scale
Lock terms, clear to close in ~18 days, then use the same playbook to recycle capital into your next door.
One lender. Every investor play.
Whatever the deal in front of you looks like, there's a DSCR structure that fits it.
Buy the next rental with the rent, not your résumé.
Purchase single-family, 2–4 unit, condo, or small multifamily with strong leverage — qualified on projected rent. Perfect for W-2 earners maxed on DTI and self-employed investors alike.
- Competitive down-payment options
- Close in an LLC to protect the asset
- Unlimited financed properties
Pull your equity out — tax-free — and redeploy it.
Cash-out refinance against the equity in your stabilized rentals. Turn trapped equity into the down payment on your next two doors without touching your personal income.
- No seasoning games on most files
- Use proceeds for reserves or acquisition
- Interest-only options to maximize cash flow
Qualify short-term rentals on real projected revenue.
We underwrite STR income using market revenue data — not a long-term lease estimate that kills your deal. Ideal for vacation markets and high-yield nightly rentals.
- Market revenue data accepted
- Second-home & investment STR eligible
- No minimum DSCR programs available
The refinance that powers the whole BRRRR loop.
Finish the rehab, stabilize the rent, then refinance into a long-term DSCR loan to recover your capital and roll it straight into the next project.
- Refi on the new appraised value
- Recycle your down payment
- Pairs with our portfolio roadmap
Built to hold ten doors, not just your first.
Borrow in an LLC, bundle several properties under one portfolio loan, and keep scaling without your personal DTI ever entering the conversation.
- LLC & corporate borrowing standard
- Single-loan portfolio options
- Business-purpose lending
Will this property
actually qualify?
Punch in the deal. We'll calculate your Debt Service Coverage Ratio, your monthly cash flow after debt service, and which qualification band you land in — live, as you type.
— Robert Buchanan —
Work directly with Robert.
Senior Loan Officer · DSCR & Investment Specialist · NMLS #1987402
No call-center roulette. You get one specialist who lives in investor lending all day — structures the deal, protects the timeline, and tells you straight whether a property pencils.
- Underwrites DSCR deals daily across 47 states
- Speaks investor — BRRRR, cash-on-cash, cap rate, DSCR
- Responds in minutes, not days — speed wins deals
Investors don't take chances.
Neither should you.
"Maxed out on conventional DTI with four rentals. Robert closed my fifth on a DSCR loan in 17 days. This is the only way I scale now."
"Self-employed, so every other lender wanted two years of returns. Here the property qualified itself. Cash-out refi funded my next down payment."
"First-time investor and terrified. Robert walked me from offer to keys on my first Airbnb and already mapped out property number two."
Free tools that do the math for you.
Built to answer the only three questions that matter: will it qualify, how much can I borrow, and what's my cash flow?
DSCR Calculator
Instant ratio, cash flow & qualification band — long-term or STR.
Open tool → ?60-Second Qualifier
Five quick taps to see if your deal — and you — fit a DSCR loan.
Take the quiz → ↗First Property → Portfolio
The exact path from your first rental to a 5-door portfolio.
Get the roadmap → ⤓Investor Cheat Sheet
DSCR terms, bands, property types & docs on one printable page.
Open & print →The DSCR
fine print.
Straight answers on how these loans actually work. Still stuck? Call Robert →
What's the minimum DSCR to qualify?
Most programs want a 1.00–1.25 ratio, meaning the rent covers the mortgage payment (PITIA). We also offer no-minimum-DSCR options for strong properties that cash flow under 1.0 — you'd just bring a bit more down or accept slightly higher pricing.
How is a short-term rental's income counted?
For Airbnb/VRBO properties we can underwrite using market revenue projections rather than a long-term lease estimate — which usually unlocks far more borrowing power in vacation and high-yield nightly markets.
Can I close in an LLC?
Yes — DSCR loans are business-purpose loans, so closing title in an LLC or corporation is standard. It's one of the biggest reasons serious investors choose DSCR over conventional financing.
What credit score and reserves do I need?
We work with a wide range of credit profiles — stronger credit simply earns stronger pricing. Reserves are typically a few months of PITIA and can often be held in the business. No debt-to-income calculation is run against your personal finances. Exact requirements depend on your scenario, so it's best to get a quick custom quote.
Is there a prepayment penalty?
Many DSCR programs carry a prepay structure (commonly a 3–5 year step-down) in exchange for better rates. We'll show you options with and without a prepay so you can pick what fits your hold strategy.
How many properties can I finance?
There's no Fannie/Freddie 10-property cap here. Because each loan stands on its own property's cash flow, you can keep financing doors as long as the deals qualify — which is exactly how investors scale with us.
Your next door is
one rate quote away.
See your real numbers in 60 seconds. No application, no credit hit, no pressure.