DSCR Bridge Plus
Long-term financing for income-producing rentals — qualifies on property cash flow.
Long-term financing for income-producing rentals. We qualify on the property's cash flow at 1.0x DSCR minimum — no personal income docs. Up to 10 years interest-only, then 30-year amortization. Best for buy-and-hold investors building rental portfolios with cash-flowing assets.
Built for the operator borrower.
Buy-and-hold investors building rental portfolios with cash-flowing assets
Self-employed and foreign-national investors without traditional income docs
Operators refinancing short-term debt into permanent take-out
STR (short-term-rental) operators with seasoned revenue history
What you can expect when we quote.
RATE
from 6.00%LEVERAGE
80% LTVPOINTS
1.0 – 2.5TERM
up to 30 yearsA short list of requirements.
LLC, LP, or Corp (no personal-name borrowers)
1.0x DSCR minimum on stabilized rent (or projected rent with comp support)
FICO 680 mid score floor
Property types: SFR, 2–4 unit, condo, townhome, STR with revenue history
Adequate reserves for taxes / insurance / management
Questions we hear most.
DSCR (Debt-Service Coverage Ratio) measures whether the property's monthly rent covers the loan's monthly debt service. We qualify on a 1.0x DSCR minimum — meaning rent equals or exceeds PITI.
No personal income docs required. We qualify on the asset itself — verified rent, taxes, insurance, HOA, and management. Self-employed and foreign-national investors welcome.
Long-term rates start from 6.00% with up to 10 years interest-only, then 30-year amortization. Prepayment structure is typically step-down (3-2-1 or 5-4-3-2-1) depending on term selected.
1–4 unit residential rentals, condos, townhomes, and short-term-rental properties with documented revenue. We do not do raw land, fix & flips, or owner-occupied.