DSCR loans that qualify on cash flow, not your income. No 10-property limit. No DTI requirement. Just the deal.
Qualify on rental income alone. No W-2s, no tax returns, no DTI calculation. Scale your portfolio without limits.
→ Non-US CitizensDSCR loans for non-resident investors buying Florida real estate. No US credit history required.
→ Access EquityPull equity from existing rentals at mortgage rates to fund your next acquisition. The BRRRR method, powered by us.
→ Self-EmployedOwn a business and invest in real estate? Bank statement loans let you qualify on real income, not paper income.
→Most lenders cap you at 10 properties. We don't. DSCR loans qualify based on rental income, no W-2s, no tax returns, no arbitrary limits on how far you can scale.
Get Pre-Qualified →DSCR loans qualify on rental income. Perfect for self-employed investors with write-offs.
Finance 10, 20, 50+ properties. Scale without hitting the limits of conventional lending.
Speed wins deals. Our process keeps you competitive when the right property shows up.
Pull equity from existing rentals to fund new deals. BRRRR works best with a fast lender.
DSCR loans live and die by cash flow. Get the property address, expected rent, and tax/insurance estimates ready. We'll show you if the deal qualifies before you make an offer.
DSCR loans qualify based on the property's rental income alone. Self-employed, multiple rentals, unconventional income, none of that matters. The deal qualifies itself.
Investment markets are competitive. Our in-house funding means no wholesale delays, you close faster than buyers using banks or brokers, and sellers know it.
Most lenders cut you off at 10 properties. We don't. Our portfolio programs let you keep buying as long as the deals cash flow. Property #3, #10, #25, we've funded them all.
"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, $16,200/month gross. After all expenses I pocket about $4,400/month. That's more than I made at my corporate job. Gave notice last month."
"DSCR loan, no tax returns since I'm self-employed and my returns look terrible. Net about $485/month after all expenses. Already under contract on property #5. Building a rental empire."
"House hacking a triplex. Rent the other two units for $2,900/month. My total mortgage is $2,840. My tenants pay my housing. Basically living rent-free while building equity. This is the cheat code."
Minimum down payments range from 15–25% depending on the loan program and property type. DSCR loans usually need 20–25% down.
Yes. DSCR loans qualify based entirely on the property's rental income. If the property cash flows, you can qualify regardless of personal income or tax returns.
With our portfolio programs, there's no limit. We work with investors who have 20, 30, or more rental properties. Your ability to manage and cash flow is what matters.