One door through 10 units
- Single-family, townhome, condo, and 2–4 unit
- Eligible 5–10 unit multifamily and portfolios
- Mixed-use and commercial scenarios reviewed individually
200+ investor and program options
Every DSCR Loan Strategy
From no-seasoning cash-out up to 80% LTV and eligible programs that do not require sourcing recent deposits to a proactive collateral-review process, we structure the details before they become delays. Our refined workflow searches 200+ investor and program options for a smoother experience and highly competitive loan options.
No-seasoning options up to 80% LTVSelect programs may not require sourcing recent depositsCollateral review managed upfront
Maximum leverage, no-seasoning eligibility, deposit documentation, pricing, and collateral requirements vary by investor and program. All scenarios are subject to credit, property, appraisal, documentation, and underwriting review.
Start here
What are you financing?
Cash-out is selected for this page. Switch only if your goal is different.
$2B+Combined origination experience informing our process
24-hourSpecialized processing cycle
5-minuteRate-request routing target
Soft pullScenario tailoring without score impact
Funding fit
What we fund, without the guesswork.
See the starting point for leverage, property fit, rent qualification, and loan structure. Then share your property so we can identify the programs that fit the full scenario.
Income that reflects the strategy
- Current lease or eligible market-rent qualification
- Long-term and eligible short-term rental programs
- Gross-rent analysis for multifamily properties
Built for real estate investors
- Business-entity and eligible individual vesting
- Eligible foreign-national programs
- Soft credit inquiry available for tailored scenarios
More ways to shape the loan
- Select no-seasoning cash-out programs
- Eligible interest-only and prepayment-penalty choices
- Select programs may not require sourcing recent deposits
Program availability and terms vary by borrower, property, location, investor, and loan purpose. Final eligibility is subject to credit, DSCR, valuation, documentation, and underwriting review.
Have a rehab, delayed financing, or unusual title timeline?Bring us the real story behind the property.
Check my scenarioOne connected workflow
See the system move the loan forward.
Property signals become a structured scenario, comparable choices, and a visible path to the requested closing date.
Step 01
Property engine
We assemble address, value, rent, collateral, and acreage signals into one property view.
Step 02
Scenario engine
Loan inputs are read together so the request returns a clear program-review result.
Step 03
Compare structures
Review illustrative investor paths side by side, then select the tradeoff you want us to price.
Structure choicesIllustrative · not live pricing
Select a structure to compare its tradeoffs.
Step 04
Track the closing
Follow milestones in the borrower portal through the requested close-of-escrow date.
Property intelligence
A faster first look at the asset.
Your property is reviewed against licensed data so our team can understand the neighborhood, rental market, and potential value range before structuring the request.
- Property characteristics and transaction history
- Estimated value range and nearby activity
- Market-rent and rental-demand signals
- Neighborhood context for a more informed review
Automated property data is an early scenario-planning tool and does not replace an appraisal or underwriting review.
Market briefSample rental property
Data assembledValue signal$619K midpoint
Rent signal$4.28K midpoint
Data confidenceMultiple sources
Illustrative interface and sample figures
Operations are the advantage
Recorded, refined, and built to keep moving.
Our process is shaped by more than $2 billion in origination experience. We documented the work behind every loan, removed unnecessary handoffs, and built a specialized team around fast scenario review and consistent file movement.
Put our process to workSpecialized roles and documented workflows keep the next action visible.
Your scenario reaches the right team quickly for lender and program review.
The operating system is informed by real loan volume and real file conditions.
Operational timing reflects internal service targets and is not a guarantee of pricing, approval, closing, or funding time.
Straight answers
Before you share your scenario.
What investors commonly ask about no-seasoning DSCR cash-out refinances.
Select DSCR programs may let an eligible investor refinance a recently acquired rental without waiting for a traditional ownership-seasoning period. Valuation basis, leverage, documentation, and borrower requirements still apply.
No. A soft credit inquiry does not affect your credit score. A hard inquiry may be required later if you decide to proceed, depending on the selected program.
The initial review may include property characteristics, an estimated value range, market-rent signals, recent activity, and neighborhood context from licensed data providers. This early report helps us structure scenarios; it is not an appraisal.
Potentially. Tell us what changed and what you invested. The lender and appraiser determine the eligible value, and supporting documentation may be required.
No. The scenario builder organizes your request so our team can prepare relevant options. Actual terms require a complete review and are subject to credit, property, appraisal, underwriting, and program availability.
Start with the property
See what your equity can do next.
Share the scenario once. We’ll organize the property data, tailor the review, and show the tradeoffs clearly.
See my cash-out options Secure intake · Soft inquiry available