From your first rental to your scattered-lot subdivision. One lender, every program.
Whether you're acquiring your first long-term rental, scaling a short-term portfolio, or building a 40-unit community ground-up, the right loan is rarely the obvious one. We carry every major investor program under one roof so you can shop the structure, not the lender.
Where you are matters
Two starting points. Same depth of capital.
Acquiring your first rental, or your first three.
You're building a long-term rental or short-term portfolio from zero. The first deal sets the foundation for the next ten. We'll structure the loan around the property's cash flow, your tax returns, and what you actually want to own in five years, not just whatever closes fastest.
- Long-term rental (annual lease) financing
- Short-term rental (Airbnb / VRBO) financing
- Conventional vs DSCR side-by-side modeling
- LLC strategy from day one
Buying, building, or holding at scale.
You're past the 10-property conventional cap, or you're moving into ground-up, value-add, or commercial. The financing problem shifts from "can I qualify?" to "which structure preserves the most cash and optionality?" We model it across DSCR, portfolio, bridge, AD&C, and BTR before you commit.
- Portfolio refinance and blanket loans
- Bridge / stabilization for value-add multifamily
- AD&C one-close for subdivisions and infill
- Build-to-Rent construction-through-takeout
The Programs
Nine investor loan programs. One conversation.
Grouped by where you are in the deal. Click any program with a deeper page; for the rest, book a call and we'll model it for your specific scenario.
Acquire
Existing properties, ready to rent or already leased.
Conventional Investment
Fannie / Freddie investment financing for 1-4 unit residential. Best rate of any investor program when you qualify.
Best for: W-2 or self-employed buyers acquiring rental property up to the 10-financed-property cap.
Read the deep diveDSCR
Qualifies the property, not you. No tax returns, no W-2s, no DTI. The lender only checks if rent covers the payment.
Best for: Self-employed investors, retirees, LLC closings, portfolio investors past the 10-property conventional cap, and short-term rentals.
Read the deep diveImprove & Build
Value-add, ground-up, and land-to-vertical financing.
Rehab / Fix & Flip / Fix & Hold
Acquisition plus rehab budget in a single loan, funded as construction draws against the after-repair value (ARV).
Best for: Flippers, BRRRR investors, and value-add buyers turning distressed inventory into stabilized rentals.
Read the deep diveLand Loans
Financing for raw land, infill lots, and entitled parcels. Bridges you from purchase to construction-ready.
Best for: Developers and investors locking in land while permits, plans, or capital come together.
Construction Loans
Ground-up construction financing with interest-only draws during the build, converting to permanent at completion.
Best for: Custom builds, spec construction, and infill projects where the lot is already owned or being acquired.
Read the deep diveAD&C All-in-One
Acquisition, Development & Construction in a single facility. One close, one set of fees, land through certificate of occupancy.
Best for: Subdivisions, condo projects, build-to-rent communities, and infill developments that span lot acquisition through stabilized product.
Scale & Transition
Multi-asset financing and the bridges between holds.
Bridge / Stabilization
Short-term financing that funds the gap between acquisition and stabilization, season-and-refi, or sale.
Best for: Value-add multifamily, lease-up properties, and any investor who needs flexible capital before permanent debt prices well.
Read the deep diveBuild-to-Rent (BTR)
Purpose-built rental community financing. Construction through stabilization through portfolio takeout, all under one structure.
Best for: Developers and investors building 5+ unit horizontal or detached BTR communities for long-term hold.
Portfolio / Blanket Loans
One loan secured by multiple properties. Cross-collateralized financing that consolidates payments and unlocks equity at scale.
Best for: Investors with 5+ rentals looking to refinance, cash out, or simplify servicing across an existing portfolio.
What we finance
Property types we lend on.
Residential through commercial. If it generates rent, hosts a business, or grows a crop, there's a path.
Don't see your asset class? Ask. Hospitality, mixed-use, ground leases, and special-purpose deals route through different programs but most still have a structure that works.
Why route every investor deal through one lender
Carrying the whole menu changes the conversation.
Modeled before quoted
Every deal gets run across the relevant programs side by side, with the math, before we recommend a structure. You see why one wins, not just which one we sell.
One advisor across stages
Acquire, refinance to portfolio, bridge into a value-add, take out into BTR. The next loan in your story doesn't require a new lender or a new pitch.
Speed where it counts
DSCR closes in 21 to 45 days. Bridge can move faster. We tell you up front whether the timeline you need fits the program you want.
LLC and entity-friendly
DSCR, bridge, portfolio, AD&C, and BTR all close in entity name. Asset protection from day one with no due-on-sale gymnastics after closing.
Have a deal under contract or a pipeline you're scaling?
Bring the deal. We'll model it across the programs that make sense and tell you which structure preserves the most cash, time, and optionality.
Christian Kosko · NMLS# 1415795 · Serving DC, MD & VA