DSCR FROM 5.45%BRIDGE FROM 8.25%TERM SHEETS IN 24HLENDING IN 42 STATES

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Every box, on one page

The full matrix — LTV caps, credit minimums, DSCR floors, loan sizes and eligible property types across all six programs. No "call for guidelines." Updated weekly, same as the rate sheet.

TAKE IT WITH YOU

The one-page PDF matrix

Print it, pin it, send it to a client. We email the current version and re-send it whenever the tiers move.

ONE EMAIL WITH THE MATRIX, PLUS THE UPDATE WHEN TIERS MOVE. NOTHING ELSE.

660

Minimum FICO on a DSCR loan — individual or portfolio

90%

Maximum leverage, cost basis on a fix & flip

$10M

Largest single loan, any program

Programs, one credit desk reading all of them

States, with eight named exclusions

The matrix

EFFECTIVE AUG 09 2026 · NOT A COMMITMENT TO LEND

Maximums, not promises. Where your file lands inside a box depends on credit, experience and the asset — the term sheet shows the adjustment math.

PROGRAM
LOAN SIZE
MIN FICO
MAX LTV
RATE FROM
THE BINDING CONSTRAINT

DSCR — 1–10 unit
30-yr fixed · ARM · I/O

$200K – $10M

660

80%

5.45%

DSCR 1.00 floor; 1.25+ for the best tier

DSCR — portfolio
30-yr fixed · 5/7/10 ARM

$500K – $10M

660

75%

5.95%

Blended 1.15 across the pool, 5 doors minimum

Bridge
6 – 24 months, I/O

$500K – $10M

700

75% LTV · 85% LTC

8.25%

A documented exit — sale or refinance — priced day one

Fix & flip
12 – 18 months, I/O

$200K – $10M

680

90% LTC · 70% ARV

9.50%

Leverage tiers on verified closed projects, not a resume

Ground-up construction
12 – 24 months, I/O

$500K – $10M

680

85% LTC

10.25%

Entitlements in hand and a licensed GC on the budget

Commercial DSCR
30-yr fixed · 5/7/10 ARM

$500K – $10M

680

75%

6.75%

1.20 DSCR floor on in-place NOI; 85% occupancy

Property types

What the collateral can be. Anything not listed is a conversation, not an automatic no — but assume it needs a reason.

Single-familyYES

2–4 unitYES

Townhome & PUDYES

Warrantable condoYES

Non-warrantable condoYES

5+ unit multifamilyYES

Mixed-useYES

Retail, office, self-storage, light industrialYES

Short-term rental (Airbnb / VRBO)YES

Entitled land — ground-up onlyCONDITIONS

Rural — outside a metro statistical areaNO

Manufactured, mobile or modularNO

Owner-occupied residentialNO

Owner-occupied commercial — your own business premisesCONDITIONS

WHERE WE LEND

42 states

Lending nationwide except the eight below, where licensing or foreclosure timelines make the economics fail for our borrowers.

AKHIMNNDORSDUTVT

Borrower eligibility — entity requirements, foreign nationals, first-time investors — is on who we lend to.

What moves you inside the box

The maximums above assume a clean file. These are the adjustments that pull leverage down or push pricing up — stated so you can price a deal before you send it.

LEVERAGE COMES DOWN

Cash-out vs purchase — 5%
Short-term rental — 5%
Non-warrantable condo — 5%
First deal, no track record — 5%
Mixed-use — 5–10%

PRICING GOES UP

Cash-out — +0.25%
Interest-only — +0.25%
No prepay penalty — +0.375%
2–4 unit or condo — +0.125%
Loan under $200K — +0.25%

PRICING COMES DOWN

Each 5% under max LTV — −0.125%
DSCR above 1.50 — −0.25%
5-year prepay structure — −0.25%
Repeat borrower, 3+ loans — −0.125%
Experience tier 3 on flips — −0.25%

The adjustment math appears on your term sheet in full — base tier, every adjustment, final rate. Nothing gets applied you cannot see.

Today's rates Price a deal

What kills a file

Worth knowing before you spend a week on it. These are hard stops, not adjustments.

01Owner-occupied residential. Business-purpose loans only — if you or your family live there, we cannot lend. Owner-occupied commercial is different: a business in its own building is financeable on the commercial programs.

02Unentitled land. Ground-up needs entitlements in hand, or a costed path with a date on it.

03Cannabis-related use. Any part of the income, at any tier, in any state.

04The eight excluded states. No exceptions, regardless of how good the deal is.

05Open litigation on title. Clear it first — we will re-open the file the day it resolves.

EXCEPTIONS

A guideline is a starting point, not a wall

Files land outside a box constantly — a DSCR at 0.94 with twelve months of reserves, a borrower whose credit event has a real explanation, a property type nobody wrote a rule for. Send it. You will get a straight answer the same day rather than a form rejection three days later.

What we will not do is quote you inside the box and then reprice once you are committed.

Send the address. We'll send the terms.

Written term sheet within 24 hours. No credit pull to quote.

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