Hard money, new construction, and 30-year DSCR loans that qualify on the property, not your tax returns.
Our lending partners specialize in investment property. Tell us what you're doing and we'll send you to the right program.
Short-term financing for fix-and-flips, rehabs, and bridge loans when speed matters.
Ground-up construction financing for investment properties.
Pull equity out to fund your next deal, or refinance off a hard money loan into a 30-year.
Buy a rental and qualify on its rent, not your income.
No-ratio DSCR loans are built for deals where the rent comes in below the payment. Most lenders turn these down. Our lending partners can still help.
Foreign investors welcome. Programs are available for non-U.S. residents investing in U.S. real estate.
Send us your contact info and the property. Free, with no obligation.
A DSCR lending specialist reviews the deal and reaches out with your quote options, including no-ratio options if the rent is tight.
The application, appraisal, and closing are handled for you. You close in your LLC and get back to building your portfolio.
DSCR = monthly rent ÷ monthly payment (principal, interest, taxes, insurance, and HOA). A ratio of 1.0 means the rent covers the payment exactly.
A ratio of 1.0 or higher gets standard DSCR pricing, and the best pricing usually starts around 1.25. Below 1.0? No-ratio DSCR programs can still work. Don't have the numbers? Just request a quote and we'll run it for you.
We connect investors with lending partners for investment properties in the following states.
Gold = the loan must close in an LLC or corporation.
Tell us what you're looking for and about the property. It's free, with no obligation. A lending specialist will follow up with your quote options.
DSCR stands for Debt Service Coverage Ratio. Instead of qualifying you on your personal income, a DSCR loan looks at whether the property's rent covers its monthly payment. It's built for real estate investors — especially self-employed investors and anyone who writes off a lot on their taxes.
DSCR loans qualify on the property's cash flow rather than your personal income, so W-2s, pay stubs, and tax returns generally aren't used to qualify. We'll let you know exactly which documents are needed — usually things like bank statements for reserves, LLC documents, and the lease.
That's what no-ratio DSCR loans are for. They're built for properties where the rent comes in below the monthly payment, which is common in higher-priced markets and with short-term rentals that are still ramping up. Terms can differ from a standard DSCR loan, so request a quote and the lending specialist will lay out your options.
No, it's optional. Sharing an estimate helps us get you a more accurate quote.
No. Hard money, new construction, and DSCR loans are all available to first-time investors. No experience is necessary.
DSCR programs start at a 650 credit score. Higher scores generally get better rates and higher leverage. If you're below 650, hard money may still be an option.
Up to 80% of the purchase price on purchases and up to 75% of the appraised value on refinances and cash-out refinances. Your exact numbers depend on your credit, the property, and your experience.
Yes — and most investors do. In some states (Alabama, Georgia, Kansas, Massachusetts, and Washington) the loan must close in an LLC or corporation.
No. These are business-purpose loans for investment properties only. You and your family can't live in the property.
No. Sovereign Capital Funding connects real estate investors with lending partners. We don't make loans, set rates, or make credit decisions — your lender does all of that directly with you.
No. Quotes are free, and there's no obligation to move forward.