As a direct lender, we hold underwriting in-house. That means fewer hand-offs, smarter case-by-case decisions, and faster closings. Here’s the full menu of what we do.
Two specialties
First, how we plug into the pros around your deal: your agent, your CPA, your financial advisor – most lenders treat that as an afterthought, but we treat it as a specialty, because it’s often what gets the deal done. Second, the full range of loans we underwrite in-house – the menu below.
Every property decision intersects real estate, tax, and wealth planning. We co-advise with the pros around your deal – or bring in ours – so the financing aligns with the whole plan, not just the loan. That coordination is a specialty in its own right.
Pre-approvals that win in competitive markets.
Pre-approvals that stand up to listing-agent scrutiny, cash-like offer support, and speed and precision with every party – clients, inspectors, appraisers, title, and escrow.
Vetting on incoming offers, and help marketing the listing.
Borrower- and property-level vetting on the offers you receive, plus RESPA-compliant, original marketing help on your listings – including Scout Reports built for the listings themselves.
A loan team fluent in forward/reverse 1031s, advanced entity vesting, depreciation and cost-seg strategy, and complex investor filings.
Sophisticated co-advisory. We structure financing that aligns with the tax plan, not against it – and we won't try to out-pro the pros.
Property financing that preserves AUM instead of drawing it down.
Smart financing on the property side of the plan, so your client's investable assets stay invested and working.
No referral arrangements, ever – we keep it RESPA-clean. Just tight collaboration and better outcomes for the client we share.
For property investors who qualify on the property’s income, not yours.
DSCR (Debt Service Coverage Ratio) loans qualify you based on the rental income the property generates – not your personal W-2s, tax returns, or DTI. Perfect for serious investors, self-employed buyers, and anyone scaling a portfolio.
We accept both short-term and long-term rental projections from the same gold-standard income sources the top investors in America rely on. Paired with Scout, you can find properties that already pencil before you write the offer.
Active investors get a Scout walkthrough – request one →
15-, 20-, and 30-year fixed rates for primary, second, and investment properties.
The bread-and-butter mortgage: predictable monthly payments, broad eligibility, and competitive rates. Down payments as low as 3% for qualifying buyers, 5% for second homes, and 15–20% for investment properties.
Government-backed loans with lower credit and down payment requirements.
FHA loans are insured by the Federal Housing Administration, which lets us approve buyers with credit scores as low as 580 and down payments as low as 3.5%. A favorite for first-time buyers and buyers rebuilding credit.
$0 down, no PMI, and competitive rates for service members and veterans.
One of the best loan products available – full stop. If you've earned VA eligibility through active duty, veteran status, or as a qualifying surviving spouse, you can finance up to 100% of the purchase price with no monthly mortgage insurance.
$0 down financing for eligible rural and suburban properties.
USDA loans are guaranteed by the U.S. Department of Agriculture and offer $0-down financing for moderate-income buyers in eligible areas. Most of the country qualifies geographically – even some surprisingly suburban zones.
For buyers whose income doesn't fit a standard W-2 box.
“Non-QM” stands for non-qualified mortgage – loans for borrowers who don't fit conventional underwriting boxes. We offer a deep menu of these programs, including bank statement loans for self-employed buyers, asset-utilization loans for retirees and high-net-worth borrowers, and 1099 loans for contractors.
Lower your rate, shorten your term, or put your equity to work.
Refinancing makes sense any time you can cut your rate by ~0.5%+, change your term, or pull cash out for higher-and-better uses. We also originate HELOCs (home equity lines of credit) for clients who want a flexible, draw-as-you-need facility.
Short-term financing for active investors and 1031 exchanges.
For investors actively flipping properties or executing 1031 exchanges, we offer short-term bridge financing. Close in days, not weeks. Rehab funds can be wrapped into the loan structure for renovation projects.
Specialty programs for doctors, nurses, firefighters, and police.
We're proud partners of FOP (Fraternal Order of Police) and IAFF (International Association of Fire Fighters) affinity programs, and run specialty physician loans for MDs, DOs, dentists, and other medical professionals. These programs carry favorable terms you won't find in standard underwriting.
If you’ve been turned down somewhere else, that’s where we start. Let’s talk.
