Business Purpose Loans
(1-4 residential units)
We offer a variety of loan programs designed to help real estate investors purchase, refinance, renovate, or build investment properties with minimal documentation and maximum flexibility.
DSCR and No Ratio
This program is designed to qualify real estate investors to purchase or refinance investment properties with 1-4 units based on verified lease and rental income. No employment or income verification is required. DSCR ratio can be as low as 0.75x. Vacant investment property is permitted. No ratio or no FICO program is available with haircut to LTV.
Short Term Rental (AirBnB)
This program is designed to qualify real estate investors to purchase or refinance investment properties with 1-4 units utilized for daily or short-term rental purposes. Operating statements from third-party providers, such as Airbnb and VRBO, may be required.
Rental Portfolio Loan
This program is designed to qualify real estate investors to purchase or refinance a portfolio of investment properties with 1-4 units based on verified lease and rental income. No employment or income verification is required. Investment properties are cross-collateralized.
Ground Up Construction
This program is designed for real estate investors to build a property to sell for a profit or to hold for long-term investment purposes. New purchases and cashout refinance are available. Ground up construction experience is required.
Bridge Loan
This program is designed for real estate investors to quickly purchase or to get liquidity access to an investment property. An appraisal report may not be required.
Fix & Flip
This program is designed for real estate investors to purchase, renovate, and sell a property for a profit or to hold for long term investment purposes. Both light rehab and heavy rehab loans are available. New purchases and cashout refinance are available.