Direct Lender · Licensed in 48 StatesThe go-to team. For Pros & First-Timers. To Find & Fund Homes.
Our small, tight direct lending team powered by CrossCountry Mortgage is built to turn “I can’t afford the market” into closed deals. We specialize in clients like investors and entrepreneurs with complex income, asset, and career profiles who want to grow and manage property portfolios. And we help all clients, including first-timers, who want to build wealth with property ownership. We understand math and deal execution our competitors don’t, and explain your playbook in plain English.
Find & Fund Rental Properties. One-stop shop.
- Every For-Sale Home, Real-Time Pre-Approved.DSCR pre-calculated using short-term (STR) and long-term (LTR) rent projections we accept as a direct lender.
- From scout to close, fastFilter from all-U.S. to hot markets to marketable, ready-to-close properties in seconds.
From scout to close
A direct-lender path that respects your time and your portfolio strategy.
Scout the market
Browse every for-sale property in America with pre-calculated DSCRs – STR and LTR – already in the system.
Lock your strategy
We pre-approve you on terms that match your portfolio plan. No surprises when you write the offer.
Win the offer
Make confident offers backed by a direct lender who already knows the property pencils.
Close & repeat
Average close in 18 days. Scale your portfolio with a partner ready to fund your next deal.
Mortgage specialties
From rental empires to first homes – we underwrite and fund to your nuanced situation, not a generic template like most lenders. So we truly get how to make common-sense exceptions.
DSCR Loans For Investors
Qualify on rental income, not W-2s. Short-term, long-term, mid-term – paired with Scout for real-time property scoring.
Learn moreBRRRR Strategy / Fix & Flip Loans
Nobody beats us at Buy, Rehab, Rent, Refinance, Repeat (BRRRR) strategies. We know the playbooks and we close the fastest.
Learn moreJumbo & Bank Statement Loans
High-balance, asset-utilization, bank statement, and 1099 loans. Built for self-employed and high-net-worth buyers.
Learn moreRefinance + HELOC For Investors & Homeowners
Rate-and-term, cash-out, and home equity lines. Pull equity to scale your portfolio or pay down high-cost debt.
Learn moreName, Image, Likeness (NIL)
We’re the top team lending to athletes, entertainers, and influencers. We understand your contracts, income sources, and make it easy for you to buy homes.
Learn morePhysician & First Responder
Specialty programs for doctors, nurses, firefighters, and police – including FOP and IAFF affinity benefits.
Learn moreConventional Fixed Rate
15-, 20-, and 30-year fixed-rate loans for primary residences, second homes, and investment properties.
Learn moreFHA Loans
Lower credit requirements and as little as 3.5% down. Perfect for first-time and credit-rebuilding buyers.
Learn moreUSDA Rural
$0-down financing for eligible rural and suburban areas with competitive fixed rates.
Learn moreActive or Aspiring Investor? See a Scout walkthrough →
Built on referrals
Closed three short-term rentals in eight months. Chad's team pre-screens the deals, so I only write offers on properties that already pencil — no more wasted weekends chasing numbers that don't work.
As a self-employed buyer, I'd been turned down three times before. The Chad Baker Team underwrote my actual income, not just a W-2 box. Closed in 24 days.
Scout is unlike anything else I've used. Real-time DSCR ratios on every listing means I stop wasting time on properties that don't pencil. I won't shop without it.
Let’s find & fund your next deal.
Call or text the team to start your pre-approval – we’ll walk you through every number in plain English. No obligation.