DSCR Loans for Purchases and Refinances
Our loans qualify on the income your property produces, not your personal income.
What we finance
Turnkey acquisitions and refinances on rentals that already cash flow, or will after a short lease-up. If the unit isn't ready for DSCR yet, we'll say so.
Turnkey acquisition
Buy a cash-flowing rental without stretching personal DTI to carry the payment.
Refinance
Take out equity or replace short-term debt once the property is rented and stable.
Need purchase-and-rehab or other short-term capital? We place those with a partner and stay on the file with you. Get pre-qualified for DSCR →
How a file moves
Submit the deal
Send the address, purchase price or current loan, and the rent roll. Two-minute form.
Terms in 24 hrs
We read the cash flow and send terms, or tell you a partner is the better fit.
Stay with you through close
Sign once the file is clear. Same person the whole way, including any partner we place you with.
You don't need a track record. You need a lender who'll walk it with you.
We specialize in first-time and early-stage investors: folks who bring strong cash reserves and clean credit but haven't stacked up a long list of closed deals yet. Show us you can carry the loan, and we'll hold your hand through everything else, one step at a time.
Reserves and credit over résumé
We weight the strength you already have: money in the bank and a clean credit history. The deal count comes with time.
A guide on every deal
You get a real person who walks you from offer to payoff, checking your numbers, flagging risk, and answering the questions you don't know to ask yet.
Built to get you to deal two
We structure your first loan so it sets up the next one. Close it right and you've got a lender who already knows you.
Common questions
What is a DSCR loan?
A DSCR loan is an investor mortgage underwritten mainly on the property's rental income versus the proposed payment, not your personal paycheck. We use it for turnkey purchases and refinances, not for heavy rehab.
Do you lend on my credit score?
Credit is not the main underwriting test. We underwrite the property's cash flow first, then review credit with the investor lenders we broker to and tell you where it helps or hurts the file.
Can I buy a turnkey rental with DSCR?
Yes. You can buy a turnkey rental with a DSCR loan when the rent covers the payment well enough. If coverage works, you do not have to stretch personal DTI around the new payment.
Can I refinance onto a DSCR loan?
Yes. You can refinance a rented investment property onto a DSCR loan for cash-out or rate-and-term, including taking out short-term debt once the unit is stable. Send the rent roll and we will tell you where it lands.
What if my deal needs rehab?
If the property is not ready for DSCR yet, we place it with a partner on hard money or bridge financing and stay on the file with you. We look at DSCR again once it is rented.
Where do you lend?
We lend primarily in Birmingham and also close files in Ohio, Tennessee, and other markets. If your deal is elsewhere, ask.
How fast can you close?
Close timing depends on the investor lender; we put a real clock on the term sheet and stay on the file until you sign.
Find out what you qualify for
Tell us about your credit, liquid reserves, and track record. No property required. We'll send a DSCR pre-qualification letter, usually within one business day, so you can make offers with a number in hand. Already eyeing a specific property? Add the price and rent roll and we will factor it into your terms.