Streamlined mortgages for real estate investors and business owners

A Debt Service Coverage Ratio loan is long-term rental financing without using any personal income. Qualify based on the property's cash flow, not your income.

Fast funding with minimal underwriting guidelines. Acquire property or get cash out with speed and flexibility while you are arranging long-term, permanent financing. These are short term 1-5 year loans with no prepayment penalty.

Get financing for both the purchase and rehab costs. Up to 90% purchase and 100% rehab financing for properties that need renovation. Get the cash you need to get into a property quickly with no income requirement. Instead of determining financing based on the as-is value, these loans are based on the After-Repair-Value, allowing for a higher leverage than traditional loan products.

Get up to 100% financing for construction costs. These loans require 20-30% of construction costs in liquid reserves and disburse funds incrementally as each stage of the construction is completed. Once the construction is done, the loan can be refinanced to long term financing.

Up to 80% LTV for non-owner occupied and up to 90% LTV for owner occupied commercial, these are "full doc" long term loans that require a full business income analysis and typically have the lowest rates as a result. Other commercial options with limited income requirements include qualifying based on our Lite Doc, No Doc, and Bank Statement Program. Inquire for details.

These loans can be used for real estate, equipment, working capital, or inventory and are partially insured by the U.S. Small Business Administration. Businesses must have established credit and a minimum 2 years in business (Minimum 1+ year and start-ups allowed on case-by-case). These loans can also be used to purchase an existing business.