Direct Lending

Single Property Rental Loans

Finance Long-Term Income Properties

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Lending across many states and DC. Terms vary by market and borrower profile.

Overview

Designed for investors holding 1–4 unit rental properties. These long-term loans are underwritten primarily to property cash flow (DSCR), making it easy to qualify and scale your portfolio.

Scale Easily

Finance rentals without heavy income documentation.

Flexible Terms

Choose between fixed or ARM structures.

Cash-Out Available

Tap equity to fuel future acquisitions.

Nationwide Lending

Available in 44 states + DC.

Key Loan Terms

Loan Size

$75,000 – $2,000,000

Term

Up to 30 years (fixed or ARM options)

Leverage

Up to 80% purchase/refi, 75% cash-out

Speed

Qualification based on Debt Service Coverage Ratio (DSCR)

Terms are examples. Final terms depend on experience, credit, and project metrics.

Streamline your strategy

Submit a project online, review terms, then move to closing with a clear draw schedule. Transparency at every step saves time and reduces risk.

Apply with basic property and rental details.

Loan is underwritten based on DSCR.

Close with long-term financing certainty

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Good fit for

Cosmetic rehabs

Light updates with quick turns.

Full renovations

Larger scope with structured draws.

Acquisition plus rehab

Purchase and improvements in one program.

Frequently asked questions

Typical closings occur in about two weeks after a complete file. Timelines vary by market, title, and appraisal.

Property details, scope and budget, ID, entity docs, and recent projects if applicable.

Coverage includes many states. Availability varies by program.