DSCR Loans
Qualify on rental income — not W-2s or tax returns. No personal income verification.
DSCR guide →Real Estate Investor Lending Advisory
Investor financing built around the property.
Financing for rental property acquisitions, refinances, and portfolio growth — structured around the property, not your tax return.
✓ DSCR Loans
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✓ Bridge
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✓ BPL & Fix & Flip
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✓ Portfolio
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✓ Non-QM
✓ No obligation
✓ 24-hour review
✓ NMLS #2822744
Every investor strategy has a structure.
Asset-based financing for investors who borrow as a business — not a homeowner.
Business Purpose Loans
Entity-based financing with no property count ceiling and no personal income scrutiny.
BPL guide →Bridge Loans
Short-term capital for acquisitions, transitions, and value-add plays.
Bridge guide →Fix & Flip
Purchase and rehab financing based on deal value — not your income history.
Fix & flip guide →BRRRR Financing
Buy, rehab, refinance, repeat — structured for the full acquisition cycle.
BRRRR guide →Bank Statement Loans
12–24 months of deposits replace tax returns. Built for complex-income investors.
Bank statement guide →Foreign National DSCR
U.S. investment property financing for non-U.S. citizens. Qualify on rental income.
Foreign national guide →Second Mortgages
Pull equity without refinancing your first mortgage — a second lien that leaves your existing financing in place.
Second mortgage guide →How We Work
Three steps from first call to close.
01
Analyze
We review your deal, property, and financing situation. No application required.
02
Structure
We identify the right loan structure, rate, and terms for your specific scenario.
03
Execute
We move from term sheet to close with no income verification required for investment properties.
Example Scenarios
What this looks like in practice.
Illustrative scenarios reflecting the kinds of deals we structure every week.
DSCR Refinance
PropertySFR, Tampa FL
Loan$480K cash-out refi
DSCR1.28x
Income docsNone required
ResultClosed in 28 days
DSCR Second Mortgage
PropertyRental, Hillsborough County FL
Loan$210K second mortgage
First rate preserved3.1%
Net monthly improvement+$640/mo
ResultEquity accessed without touching first
Business Purpose Loan
Property4-unit, investor LLC
Loan$385K BPL acquisition
QualificationDeal cash flow only
BorrowerLLC
ResultClosed, no personal income review
Who This Is For
Built for investors at every stage.
Investors Refinancing
You own 1–10 rental properties and want to pull cash out, lower your rate, or restructure debt. No W-2 required.
Active Buyers
You’re acquiring your next property and need fast, flexible financing that qualifies on the deal — not your tax return.
Portfolio Builders
You’re scaling and need a lending partner who understands the math — DSCR, cash-on-cash, equity deployment.
Built from institutional lending experience.
Chad Evers · Founder
NMLS #2822744 · 20+ years institutional lending
Built national mortgage teams · 3 years Citi global experience
The right dor changes everything. Most investors don't know it's there.
Chad Evers · Founder, Viador Partners · NMLS #2822744
Viador Partners is a capital-structure advisory platform — not a mortgage brokerage. We analyze your full financial picture and match you to the right structure for your deal and your portfolio. All lending is through Focus Home Mortgage Inc. NMLS #2769672.
Learn more about our approach →Free Deal Review
Tell us about your deal.
We’ll review it and respond with a clear path forward within 24 hours.
What are you trying to do?
For Realtors & Advisors
Send us your investor deals.
Whatever the deal looks like — conventional, BPL, DSCR, or bridge — we review it and respond within 24 hours.
FAQ
Questions, answered.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies on the investment property’s rental income rather than personal income. If the monthly rent covers the loan payment, the property qualifies — no W-2, no tax return verification required. Available for single-family rentals, 2–4 units, condos, and short-term rentals. Financing is through Focus Home Mortgage Inc. NMLS #2769672.
Can I get a DSCR loan in an LLC?
Yes — and structuring in an LLC is recommended. DSCR loans are Business Purpose Loans (BPL), meaning the borrower is typically a business entity such as an LLC. Closing in an LLC separates personal assets from investment property and removes personal loan count limits. Read the full BPL guide →
What are bank statement loans for real estate investors?
Bank statement loans replace W-2s and tax returns with 12–24 months of personal or business bank deposits as the income document. Built for self-employed investors, business owners, and anyone whose taxable income understates actual cash flow. Bank statement investor loan guide →
Do real estate investors need tax-return verification?
Not for DSCR loans, BPL loans, or bank statement programs. DSCR qualifies on rental income. BPL qualifies on the deal and asset. Bank statement programs use deposit history. Tax returns are only required for conventional investment property loans — which also impose a 10-property count limit.
How do investors finance more than 10 properties?
Fannie Mae and Freddie Mac cap conventional loans at 10 per borrower. Business Purpose Loans (BPL) have no such cap — because the borrower is a business entity, not a person. DSCR loans structured as BPL can be stacked without limit. Learn how BPL works →
Ready to see what your deal looks like?
We’ll review it and respond with a clear path forward within 24 hours.