Financing

Programs built for every investor profile.

Whether you're a domestic investor seeking traditional terms or an international buyer using retirement funds, we have a financing path designed for your situation.

A hand holding a phone beside a model house and stacked coins, with home-loan document graphics floating above

Three clear options

Choose the program that fits your timeline and tax strategy.

Conventional Financing

Traditional lending for domestic investors seeking standard terms.

Down payment: 20-25%
Interest rate: Market
Term: 30 yrs

Minimum 20% down, standard 25%

30-year fixed-rate mortgage

Weekly rate updates with preferred lender

Domestic investors, traditional lending path

Full underwriting process

Lowest long-term borrowing cost

Get a rate quote

No income verification

DSCR Financing

Qualify on the property's rent, not your personal income — built for investors who are scaling.

Down payment: 20-25%
Interest rate: Market-based
Term: 30 yrs

No personal income statements, tax returns, or W-2s

Qualifies on the property itself: the rent covers the payment

Significantly less paperwork than conventional underwriting

30-year fixed-rate options available

No cap on the number of financed properties — scale past conventional's ten-loan limit

Close in an LLC or in your personal name

Rates run modestly above conventional — the trade for speed and simplicity

Domestic investors, faster path to a growing portfolio

Ask about DSCR financing →

Non-recourse

Alternative Financing

Purpose-built for self-directed IRAs, international investors, and portfolio builders.

Down payment: 40%
Interest rate: 9.9%
Term: 12 yrs

40% down payment required

9.9% fixed interest rate

12-year amortization

Non-recourse (no personal liability)

No underwriting required

No minimum loan amount

8% management fee

IRA-suitable (self-directed, Roth)

International investors eligible

Explore alternative financing

Preferred lender

Weekly rate updates. Pre-approval within 24 hours.

Conventional Lending

Our preferred lender updates conventional rates weekly, locking in competitive terms for our investors. Pre-approval is typically available within 24 hours of application.

Typical timeline: Application, 24-hour pre-approval, 3-4 weeks to close.

Next step: Call our financing line to discuss your situation and lock a rate.

DSCR Financing

DSCR stands for debt-service coverage ratio — the lender qualifies the loan on whether the property's rent covers its payment, rather than on your personal income. That means no tax returns, no income statements, and far less paperwork, with 30-year fixed options and no limit on how many properties you can finance.

Typical timeline: Application, days to approval, 3–4 weeks to close.

Next step: Call our financing line and ask about DSCR programs for your situation.

Alternative Financing

No traditional underwriting. No minimum loan amount. Designed specifically for self-directed IRA holders, international investors, and alternative asset strategies.

8% management fee covers servicing and investor support.

IRA-suitable with Equity Trust or your preferred custodian.

Beyond the numbers