No middleman
We are the lender, not a broker. Nobody sits between you and the money or marks up your fees on the way through.
theLender
(949) 326-2820Direct DSCR Lending. No Broker Layer.
Work with the team that prices, underwrites and funds eligible investor loans in-house. Fewer handoffs. Clearer answers.
- Buying or refinancing a 1–4 unit investment property
- Qualifying on rent rather than tax returns
- Wanting an answer from the actual decision maker
Check your scenario
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NMLS #133519 · Inc. 5000, 2022 and 2025 · Licensed in 47 states and DC · Direct lender, not a broker
How we qualify it
Gross rents ÷ PITIA = DSCR. If the property's rent covers its payment, it qualifies. No W-2s, pay stubs or tax returns. A ratio below 1.00 is not automatically a no — we have a program for that too.
Why theLender
Decision makers in-house
Underwriting, pricing and credit happen under one roof, with fewer handoffs and direct answers.
Built for different scenarios
Our investor product line matches the scenario to a program instead of forcing every deal into one.
Program facts
No tax returns requiredFICO from 620LLC and entity vesting1–4 units, condos and PUDsLTR, STR and ADU income eligibleOptions for under-1.00 DSCRAsset utilization may support the ratioSection 8 income eligible in 29 states
Common questions
Do I need tax returns or W-2s?
No. Qualification is based on the property's rental income.
What if my DSCR is below 1.00?
It can still work through a program with its own FICO and LTV requirements.
Can I hold the property in an LLC?
Yes. Entity vesting is available on investment properties.
How is rental income determined?
We use the lesser of the lease or market rent for long-term rentals; documented platform income or appraisal-based analysis may support short-term rentals.
How fast can this close?
Timing depends on the property and documentation; in-house underwriting gives you a clear answer early.