Fund the property. Skip the tax returns.
Investment property loans qualified on the rent — not your W-2s, not your last two years of tax returns. Built for owners stacking rentals, expanding portfolios, and moving fast.
Pre-qualify in minutesProduct Details
- Loan amounts $75K — $2M
Single property or portfolio. Single family through small multifamily
- 30-year fixed repayment
Long-term rental structure with stable monthly debt service
- Up to 80% LTV
Up to 85% LTC on purchase — cost is purchase price amount
- Floor rate 5.5%
Rates as low as 5.75% with strong coverage and clean profile
- Funded as soon as 14 days
From signed term sheet to wire. Clean deals close on schedule
- Purchase and refinance eligible
Long-term rental — purchase, refinance, or cash-out structures
Requirements
Three pathways for investment property capital.
One underwriting box, three exits. Whether you're acquiring the next rental, swapping out of a hard-money bridge, or pulling equity to fund the next deal — the property cash flow qualifies the loan.
DSCR Purchase
Acquire a long-term rental qualified on the property's rent — not your tax returns. Up to 80% LTV, up to 85% LTC. Entity required.
DSCR Refinance
Swap an existing loan for better terms — lower rate, longer amortization, or out of a hard-money bridge. Property cash flow qualifies the loan.
DSCR Cash Out
Pull equity from a property you already own. Wire the cash to the next acquisition or hold it for the next deal. Up to 80% LTV on appraised value.
Properties that qualify.
DSCR loans cover most income-producing real estate. If the rent covers the debt, the deal works — no income docs, no DTI calculation, no tax-return underwriting.
SFR — Single Family
1-unit long-term rental. The cleanest DSCR structure and the most common purchase profile.
2–4 Unit
Duplex, triplex, fourplex. Owner-occupied or pure investment. Coverage qualified on combined unit income.
5–9 Unit
Small multifamily — boutique apartment buildings up to mid-size investor portfolios.
Mixed-Use
Ground-floor commercial with residential above. Cash-flow qualified across both sides of the building.
The process.
From pre-qualification to wire. No mystery, no scattered emails, no last-minute term changes.
Pre-qualify
A few questions about the property and the deal. The system runs the coverage math and tells you whether the deal pencils. No profile pull.
Submit the deal
Property docs, rent roll, lease copies. Everything packaged in the format the lender expects — no back-and-forth, no missing items.
Underwriting
Lender qualifies on property cash flow. Appraisal and title order in parallel. One point of contact through the entire underwriting process.
Close & fund
Closing docs reviewed, wire instructions confirmed, funds released. Loans funded as soon as 14 days from signed term sheet.
DSCR questions.
Do I need W-2s or tax returns?
No. DSCR loans qualify on the property's cash flow — not your personal income. The lender looks at projected or actual rent against monthly debt service, not at your tax returns.
What profile score is needed?
Minimum FICO is 680. Stronger profiles unlock better rates and lower down payment requirements. If your profile isn't there yet, the Optimize tier exists to position you before applying.
What's the rate?
Floor rate is 5.5%. Rates start as low as 5.75% for strong-coverage deals with a clean profile. Final rate is set by the lender at term sheet based on coverage, LTV, profile, and program.
How much can I borrow?
Loan amounts run $75K to $2M for the standard DSCR rental program. Up to 80% LTV and up to 85% LTC on purchase. Larger structures available — talk to our team.
Can the property be vacant?
Yes. The lender uses market rent from the appraisal — no signed lease required at close. Common on purchase deals where the property hasn't been leased yet.
How fast can I close?
Loans funded as soon as 14 days from signed term sheet. Larger or more complex deals — 5–9 unit, mixed-use, portfolio — typically run 30 to 45 days.
Do I need an entity?
Yes. Borrower must be an entity — LLC, LLP, or corporation. Held as a business-purpose loan on investment property. We can help with entity setup if you don't have one.
Are foreign nationals eligible?
Foreign nationals from approved countries are eligible. Borrowers from countries on the ineligible list cannot qualify. Check with our team during pre-qualification.
Is this a commercial or residential loan?
Business-purpose loan on investment property held in an entity. Treated as commercial in most states, which means it falls outside consumer mortgage regulations. Closing is faster and underwriting is property-focused.
From our clients.
“fundboo positioned our profile and coordinated the entire funding process. Within 60 days, we had the capital to purchase two new excavators and bid on contracts we couldn't touch before.”
“We tried three different services before fundboo. The difference was they didn't just run letters — they built our entire profile from scratch and matched us with lenders who understood healthcare.”
Run the numbers.
Three questions. Instant answer. The system tells you whether the deal pencils before you spend another minute on it.
Pre-qualify now