DSCR Loans
Qualify using the property’s rental income — not your personal income.
Learn more →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
Financing built for real investor strategies
Flexible solutions for every stage of your investment journey.
BRRRR & Rehab
Finance the purchase and rehab with options to refinance after stabilization.
Learn more →Bridge Loans
Short-term capital to move fast and close with confidence.
Learn more →Portfolio Loans
Scale your portfolio with flexible terms and no loan count limits.
Learn more →Fix & Flip
Competitive financing for fix & flip and ground-up projects.
Learn more →Non-QM Solutions
Bank statement, P&L, and other bankable income programs.
Learn more →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
Loan Programs
Every deal is different.
Four core programs covering most investor scenarios. We match the structure to the deal.
DSCR Loans
Qualify on rental income — not W-2s or tax returns. For rental property acquisitions and refinances.
DSCR guide →Fix & Flip
Fast bridge capital for value-add deals. Borrow on purchase and rehab, repay at sale or refi.
Fix & flip guide →Business Purpose Loans (BPL)
Entity-based lending for serious scaling. No property count cap, no personal income scrutiny.
BPL guide →Bank Statement / Non-QM
12–24 months of deposits replace tax returns. Built for self-employed and complex-income borrowers.
Non-QM guide →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
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.
Do I need W-2 income to qualify?
No. DSCR qualifies on the property’s rental income relative to the loan payment. BPL qualifies on the deal itself and the LLC. Neither requires tax returns or employment verification for investment properties.
What is a Business Purpose Loan (BPL)?
A real estate loan made to a business entity — typically an LLC — for an investment property. Underwritten on the deal and asset, not your personal income. No property count limit, no personal-income documentation. Read the full guide →
How much down payment is required?
DSCR loans typically start at 20–25% down. Fix & flip loans are structured on a percentage of cost or ARV. BPL and bridge vary by deal. Submit your scenario for specific guidance.
Is there a cost for the deal review?
No. The initial review is free with no obligation and no credit pull. The goal is useful directional feedback before any commitments are made.
What states do you work in?
We work with investors nationwide — originating directly in select markets and partnering with lender networks everywhere else. Submit your deal and we’ll route it to the right path.
Ready to see what your deal looks like?
We’ll review it and respond with a clear path forward within 24 hours.