Capital Built for the Buy-and-Hold Investor
Whether you are buying your first duplex or consolidating a 10-property portfolio, we provide the long-term leverage you need to scale.
Long-Term Rentals
Stop hitting the conventional mortgage wall. We provide 30-year fixed debt for single-family and multi-family properties across core urban centers like Fulton County, Buckhead, and Cobb County. We also fund heavy suburban expansion in DeKalb and Gwinnett County. All projected cash flows are modeled directly through our proprietary VALID Reportingmethodology to ensure accurate leverage.
Rural & Vacation Rentals
Traditional banks and conventional algorithms run from acreage and “rural” appraiser designations. We embrace them. We underwrite rural properties, luxury cabins in North Georgia and high-yield lakehouses near Lake Lanier or Lake Hartwell. By running localized AirDNA projections through VALID Reporting, we confidently approve loans based purely on projected nightly revenue.
Portfolio Roll-Ups
Stop managing five different loans. We use cross-collateralization to sweep multiple properties—like college rentals in Athens and condos in Sandy Springs—into one single commercial loan facility, freeing up capital so you can shift back to fix and flip acquisitions.
Stop Guessing on Yields with VALID Reporting
Traditional lenders require years of pristine personal tax returns, penalizing you for legitimate business write-offs. We ignore your W-2 entirely. By inputting the property data into our proprietary VALID Reporting system, we generate an objective cash flow analysis. If the property’s DSCR (Debt-Service Coverage Ratio) is above 1.00, we fund the deal.
THE MATH:
Projected Annual Gross Rent (Verified by VALID Reporting & AirDNA)
÷
Annual Debt Obligation (Principal, Interest, Taxes, Insurance)
=
DSCR & Rural Underwriting Secrets
Does my property need to be rented to qualify for a DSCR loan?
No. For unleased properties, we calculate your DSCR using the projected market rent determined by a professional appraiser and verified through VALID Reporting. Note that for vacant properties, the maximum leverage is capped at 75% LTV, and the loan must be a purchase or rate/term refinance. View more details in our Borrower FAQs.
Can I finance a property that the appraiser classifies as “Rural”?
Yes. While conventional lenders often reject rural designations, we permit them. If the appraiser classifies your mountain property or acreage as strictly “Rural”, the maximum leverage is 70% LTV. We see this frequently when modeling our North GA (Blue Ridge/Helen) market analytics through AirDNA.
How do I get the absolute MAX cash-out on my rental portfolio?
To unlock our maximum cash-out leverage of 75% LTV, you must align three metrics: You must maintain a minimum FICO score of 700, the property must be actively leased, and the property’s DSCR (as proven by VALID Reporting) must be at least 1.00. To see if your property qualifies, start your application today.
Can I increase my cash flow by choosing an Interest-Only (I/O) loan?
Yes. Utilizing a 10-Year Interest-Only option will significantly reduce your monthly debt payment. However, our underwriters must calculate your qualifying DSCR based on the fully amortizing payment to ensure long-term stability.
How can I lower my interest rate if I plan to hold the rental property long-term?
You can strategically lower your interest rate by manipulating the Prepayment Penalty (PPP) structure. If you commit to a 5-year step-down penalty (e.g., 5/4/3/2/1), we will deeply discount your base interest rate. Want to discuss strategy? Contact our underwriting team today.
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