BUSINESS-PURPOSE INVESTMENT PROPERTY FINANCE

Qualify on your property's rent, not your income.

Financing for non-owner-occupied investment property — DSCR rental loans, cash-out refinance and fix-and-flip. Get a pre-qualification letter in minutes: no W-2s, no tax returns, and checking won't affect your credit.

Investment property onlyNon-owner-occupiedCloses in an LLC or in your name

We finance business-purpose real estate only. We do not offer consumer, retail or residential mortgages, and we do not finance primary residences or second homes.

Rent coverage calculator (DSCR)ESTIMATE
PROPERTY VALUE$450,000
DOWN PAYMENT · 20%$90,000
MONTHLY RENT$3,800
TAXES / YR
$5,400
INSURANCE / YR
$1,800
DEBT-SERVICE COVERAGETARGET ≥ 1.00
1.17×Qualifies
LTV
80%
RENT / MO
$3,800
EST. PAYMENT
$3,239
Rent covers the loan payment.
Estimate only, not a rate quote. Soft pull only. About 2 minutes.
20+ years
commercial lending
48 states
investor coverage
Soft pull
no impact to credit
WHY LEND CAPITAL

A senior loan expert owns your file from the first question to closing, and matches your deal to the right lender up front. No middleman, no last-minute surprises.

COMPARE
DSCR loanwhat this is
Traditional loanthe old way
Qualifies on
✓ The property's rent
Your income + DTI
Paperwork
✓ No tax returns or W-2s
Full income verification
Close in an LLC
✓ Yes
Usually not
Rental type
✓ Long or short-term
Often long-term only
HOW IT WORKS

Three steps to your letter

01
Answer 8 questions
About 2 minutes, with no documents to start.
02
Get your pre-qualification letter
Take it to sellers and make offers with confidence.
03
We match your lender and close
Upload documents in the secure portal when you are ready.
FAQ

Questions investors ask

What is a DSCR loan?

Financing that qualifies on the property's rental income instead of your personal income. No tax returns or W-2s.

Do I need tax returns or pay stubs?

No. DSCR loans qualify on the property's rent, so there is no personal income documentation to start.

What credit score do I need?

Most programs look for 640 or better, and stronger scores unlock better terms. A soft pull later won't affect your score.

Will checking affect my credit?

No. Pre-qualification uses a soft pull only — no hard inquiry, and no impact to your score.

Is this a consumer or residential mortgage?

No. Every loan is a business-purpose, B2B real estate transaction: commercial financing for non-owner-occupied rental property, not for personal, family or household use. We do not offer consumer, retail or residential mortgages, and we do not lend on primary residences or second homes.

See what your property qualifies for

8 questions, about 2 minutes. Soft pull only, and checking won't affect your credit.

Start your pre-qualification →