Finance unlimited properties. Close in 21 days. Build real wealth.
DSCR loans qualify based on rental income, not yours. Perfect for self-employed investors with write-offs.
Finance 10, 20, 50+ properties. Scale your portfolio without hitting the artificial limits of conventional lending.
Speed wins deals in real estate. Our streamlined process keeps you competitive when the right property shows up.
Pull equity from existing rentals to fund new deals. The BRRRR method — buy, rehab, rent, refinance, repeat.
"Property #4: $385k SFH, 25% down, rents for $2,800, mortgage is $2,150. After insurance, tax, and maintenance fund I net about $485/month. Used DSCR loan, no tax returns since I'm self-employed and my returns look terrible. Rate was 7.125% (higher than conventional but who cares, I'm not qualifying conventional anyway). Already under contract on property #5, another DSCR. Building a rental empire."
"Had 2 rentals with Wells Fargo, they said no to property #3. Switched to Bedrock Mortgage, bought 3 more in 6 months using DSCR loans. Portfolio: 8 doors, $2,950/month average rent, $16,200/month total gross. After all expenses I pocket about $4,400/month. That's more than I made at my corporate job. Gave notice last month. Now I just manage properties and look for deals. This is what financial freedom looks like."
"House hacking a triplex. Bought for $425k with 5% down FHA ($21,250). I live in one unit, rent the other two for $1,450 each = $2,900/month. My total mortgage/insurance/tax is $2,840. My tenants pay my housing and I pocket $60/month. Basically living rent-free while building equity. In 2 years I'll have 20% equity, refi to conventional, buy another triplex and do it again. This is the cheat code."
Build long-term wealth with cash-flowing rental properties. Finance single-family homes, condos, or small multi-family buildings for steady monthly income.
Buy, Rehab, Rent, Refinance, Repeat. Purchase distressed properties, renovate, rent out, then cash-out refinance to fund the next deal.
Finance vacation rentals and Airbnb properties. Higher income potential with DSCR loans that recognize short-term rental cash flow.
Already have rentals? Scale faster with no limit on properties financed. Build a substantial portfolio without hitting lender caps.
Qualify based on rental income, not personal income. Perfect for investors with strong cash-flowing properties.
No tax returns or W-2s required · Unlimited number of properties · LLC ownership allowed
Traditional financing for 1-4 unit rental properties. Best rates if you have strong income and credit.
Competitive interest rates · 15-25% down payment · Purchase or refinance
Short-term financing for rehab projects. Fast funding to acquire and renovate distressed properties.
Interest-only payments · Fast closing (7-14 days) · Rehab costs included
Specialized loans for 5+ unit apartment buildings. Portfolio lending for experienced investors.
Large loan amounts · Cash flow underwriting · Commercial property experience
Minimum down payments typically range from 15-25% depending on the loan program and property type. Investment properties require larger down payments than primary residences. DSCR loans usually need 20-25% down.
Yes! DSCR loans qualify you based entirely on the property's rental income. We calculate the debt service coverage ratio (rental income divided by mortgage payment). If the property cash flows, you can qualify regardless of personal income.
With our portfolio lending programs, there's no limit. Traditional lenders cap you at 4-10 properties. We work with investors who have 20, 30, or more rental properties. Your ability to manage and cash flow is what matters.
Talk to an investment property specialist who understands your goals.
Get a custom quote for your next deal.