No hard pull
No hard pullSingle-Family Rental
SFR · 1 unit
The core product. One address, one tenant, one DSCR calculation. From a $100K entry-level rental to a $1.5M luxury SFR.
- Loan range
- $100K – $2M
- Max LTV
- 80% purchase
- Min DSCR
- 1.0x
- STR eligible
- Yes
Now funding in 38 states
Built for operators who
own through LLCs.
Whether it's your first rental or your fifteenth, the underwrite doesn't change. The property qualifies. Your W2 doesn't factor in.
Rental loan
No hard pullNo W2No DTI
AI ModeNo hard pullNo W2No DTI60s to a term sheet
The operator journey
Built for the whole journey. Not just deal one.
Most lenders want to fund your first rental. We want to fund your first, your tenth, and your thirtieth. The underwrite doesn't change as you scale — the property always does the qualifying.
- 1
First rental
Single SFR or duplex. Standard DSCR. LLC setup recommended.
- 2
Portfolio building
Loans 2–10. Each deal underwritten on its own cash flow. No personal income check.
- 3
Blanket loans
5+ properties, one loan. Simplify servicing, consolidate equity, unlock BIFI add-ons.
- 4
At scale
No loan count ceiling. No personal income review. The portfolio qualifies itself.
Product spectrum
SFR to small commercial. One underwrite model.
Small Multi-family
2–4 units
Duplex, triplex, or fourplex. DSCR calculated on combined rental income across all units. Strong cash flow typically makes these easy to qualify.
- Loan range
- $100K – $2M
- Max LTV
- 80% purchase
- Min DSCR
- 1.0x
- STR eligible
- Yes
Small Balance Commercial
5–10 units
Small apartment buildings and mixed portfolios. Blended rent roll DSCR across units. BIFI blanket options available at 5+ doors.
- Loan range
- $250K – $5M
- Max LTV
- 75% purchase
- Min DSCR
- 1.0x
- STR eligible
- Case-by-case
Advanced product
BIFI add-on.
Blanket Investor
Financing.
For operators with 5 or more properties, BIFI lets you finance them under a single blanket loan instead of managing individual mortgages on each asset.
One loan, one payment, one lender relationship. The blended DSCR across the portfolio typically qualifies more easily than individual properties, especially if some properties are in lease-up.
- Minimum 5 properties in the portfolio
- Blended DSCR across all assets
- Single servicing, single point of contact
- Release provisions to sell individual properties
Minimum 5 properties in the portfolioAdvanced product
Own through an LLC.
Asset protection through entity separation
When you own rental properties through an LLC, a lawsuit against one property can't pierce the entity wall to reach your personal assets — or assets in a different LLC. This is the fundamental reason operators use LLCs.
Conventional mortgages can't accommodate this — Fannie Mae requires personal borrowers. DSCR is designed for it. The entity is the borrower.
What entity docs you'll need
- 1
LLC Operating Agreement
Or trust agreement / articles of organization. Shows ownership structure and authority to borrow.
- 2
EIN (Employer ID Number)
The entity's tax ID. Required for title and closing. Takes a few days to get from the IRS if you don't have one.
- 3
Certificate of Good Standing
Some investors require this to confirm the LLC is active and in good standing in its state of registration.
- 4
That's it. No W2. No tax returns.
The entity documents replace the personal income stack that conventional loans require.
Funded pipeline
Real rental deals. All property types.
DSCR + BIFI
Nashville, TN
$972,000 @ 7.5%
5-door portfolio refi. Blanket DSCR + BIFI add-on. Single LLC borrower.
Units5 doors
Blended DSCR1.32x
Cash flow$425/mo
Closed in16 days
DSCR Purchase
Tampa, FL
$415,000 @ 7.75%
New build SFR. Out-of-state LLC borrower. No W2. Funded under target close.
TypeSFR 4bd
Rent$3,100/mo
DSCR1.28x
Days13
Portfolio Cash-Out
Memphis, TN
$840,000 @ 8.5%
4-property blanket cash-out refi. Proceeds used to fund two new acquisitions.
Properties4 SFRs
Blended DSCR1.38x
Cash out$210K
Closed in18 days
Common questions
Rental loan FAQ.
Yes — see our Foreign National Loans product. U.S. LLC, ITIN or passport, and international bank statements are accepted.
Quote your rental. Any property type.
Drop an address — SFR, duplex, or small multifamily. We pull the comps, run the DSCR, and quote your rate in 60 seconds.
- No W2
- No DTI
- No hard pull
- 14-day close
No W2