Process
From free and clear to funded
Qualification is based strictly on the property's rental income. No personal income documents, no employment verification, no tax returns.
1. Run the estimator
Enter value, rent, taxes, insurance and HOA. We model a 30-year fixed PITIA at the benchmark rate and return your DSCR instantly.
2. Complete the guided application
Property details, ownership confirmation, rental verification, and your vesting entity — about four minutes of typing.
3. Automated underwriting
Our engine caps LTV at 75%, recomputes DSCR against the real loan amount, and checks your credit tier. Pass and you get a term sheet on screen.
4. Documents and closing
Upload the deed, insurance, lease and entity docs in the portal. A loan officer confirms conditions and schedules a mobile notary.
Baseline guidelines
- Max LTV
- 75% cash-out
- Min DSCR
- 1.00 with pricing adjustment
- Min credit tier
- 660
- Property types
- 1–4 units and warrantable condos
- Vesting
- LLC, corporation or individual
- Benchmark rate
- 7.25% / 30-year fixed