Where Capital
Meets Conviction.

A DSCR (Debt Service Coverage Ratio) loan qualifies a borrower based on the income generated by the property — not personal income or tax returns. Your DSCR is calculated as: monthly rental income ÷ monthly loan payment. A ratio of 1.0x or above typically qualifies, with 1.25x being preferred by most lenders. Ideal for investors with multiple properties, self-employed borrowers, or anyone whose personal income doesn't reflect their actual financial position.

Both are short-term, asset-based loans — but they serve different purposes and borrower profiles. Bridge loans are typically used by creditworthy borrowers who need speed or flexibility (e.g. buying before selling, value-add repositioning). Hard money is more permissive — it prioritizes the property's value over the borrower's credit, making it the go-to for distressed assets, fix-and-flip, or borrowers with credit challenges. Bridge is generally cheaper (9–12%); hard money runs 10–14%.

It depends on the loan type. Hard money: 5–10 days. Bridge: 7–14 days. DSCR: 14–21 days. Multifamily/commercial: 21–45 days. Our average across all loan types is 21 days. The biggest variable is how quickly you provide complete documentation. We have a streamlined intake process designed to eliminate delays on our end — the faster you move, the faster we close.

Yes — several of our products are no-income-verification by design. DSCR loans use property cash flow, not personal income. Hard money and bridge loans are asset-based — the deal itself is the underwriting. Bank statement loans use 12–24 months of deposits instead of tax returns. If you're self-employed, a business owner, or have income that doesn't show cleanly on a 1040, we have products built for you.

Ground-up construction (GUC) loans fund the development of new properties from vacant land through certificate of occupancy. Lenders advance funds in draws as construction milestones are hit — typically land purchase, foundation, framing, systems, and completion. We can finance up to 90% of total project cost (land + construction) for qualified developers, based on the after-repair value (ARV) of the completed project. Terms are typically 12–24 months.

Yes, with the right deal and structure. Some lenders require experience — particularly for ground-up construction and large commercial loans. But many DSCR lenders, hard money lenders, and bridge lenders will work with first-time investors if the property numbers are strong and the LTV is conservative. We'll be direct with you about what's realistic for your profile and won't waste your time on products you won't qualify for.

Nationwide. Our lender network covers all 50 states, though specific product availability varies by state. A handful of states (NY, NJ, ND) have additional regulatory requirements that can affect terms and timing. If you're in a major market — FL, TX, AZ, CA, CO, GA, NC, TN — we have deep lender relationships with fast execution. Contact us with your state and we'll confirm availability for your specific deal type.

We are compensated by the lender at closing — similar to a mortgage broker model. In most cases there is no direct cost to you beyond standard loan origination fees (1–2 points) that would exist with any lender. We never charge upfront fees for deal review or consultation. You pay nothing unless and until your deal closes. All fees are disclosed in writing before you commit to anything.