Loan Programs
Explore each program in depth
DSCR | HARD MONEY | FIX & FLIP | BRIDGE | GROUND UP
DSCR
What is DSCR - Debt Service Coverage Ratio
A Debt Service Coverage Ratio (DSCR) loan is a powerful financing tool designed specifically for real estate investors. This type of loan measures your property's cash flow and its ability to cover the debt payments, rather than relying primarily on your personal income. This means that even if you're a new investor or have no job or personal income, you can access the capital needed to grow your portfolio.
Flexible Qualification
DSCR loans focus on the income produced by the property itself, which allows investors with limited personal income or those looking to scale their portfolios to qualify more easily.
Streamlined Process
With fewer documentation requirements and less red tape, securing a DSCR loan allows you to make swift decisions and take advantage of lucrative real estate opportunities as they arise.
DSCR Key Features
- Cashout 80% *on approved investors
- No Seasoning on Value
- Purchase 85% LTV
- Rate and Term Refi 85%
- Appraisal transfers may be allowed
- Close in your LLC
- STR - MTR - LTR - Pad Split - OKAY
- Use of actual rents and current lease
- DSCR minimum (No Ratio and .75)
- Step Down PPP
- Bad Credit no Problem (credit partner)
- Loan may not report to CREDIT
CALCULATING DSCR
CALCULATING DSCR
HARD MONEY
hard money key features
- HARD MONEY / BRIDGE LOANS
- Funding in as little as 3 days on qualified deals
- Rates starting at 8.9%
- No appraisal on loans under $1.5M
- Loans up to $5MM
- 1-4 Unit residential properties
- Up to 90% of purchase and 100% of rehab on fix-and-flip loans
- Up to 75% Cash Out on Bridge Refinance
- No DTI, W-2s, or paystubs required
- Up to 100% Rehab Financing
- No prepayment premium on 1-year term
- 600 minimum FICO
- Pricing discounts for experienced borrowers
1 & 2 YEAR
NO PREPAYMENT PREMIUM
When you need to close quickly to compete with cash buyers, DSCR KINGS provides competitive rates and terms for fix and flip projects and hard money/bridge loans.
GROUND UP CONSTRUCTION
GUC Key Features
- Loan amounts up to $5MM
- Financed full-term Interest Reserves
- Up to 90% of cost for experienced builders (3+ exits)
- Up to 75% of cost for new builders
- Rates starting at 9.9%
- Typically closes in 7–10 days
- 12-, 18- and 24-month terms, interest-only
- No interest charged on undrawn funds
- Minimum FICO: 600
- Property types:
- Attached and detached single family residential (SFR)
- Townhomes
- 2-4 family residential
