The Approval Engine
How we close over 95% of applications.
Many DSCR lenders decline a meaningful share of investor scenarios because their underwriting boxes are rigid. We close over 95% of the applications we start — here's exactly how.
What's your goal?
Pick what you'd like to do today.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
The problem with most DSCR lenders.
Most DSCR lenders operate from a single, rigid underwriting box. Credit must be 680+. DSCR must be 1.25+. Property must be exactly 1–4 units, no STR. Borrower must have an SSN. Recent bankruptcy? Decline. Foreign national? Decline. Negative cash flow on a BRRRR refinance before stabilization? Decline.
That's how a real estate investor with a great deal gets turned away — not because the deal is bad, but because the lender's box is small.
The Approval Engine.
Our underwriting framework starts wide and narrows only when it has to. Instead of declining a deal that doesn't fit our standard guidelines, we route it through a series of program layers — each with different boxes — until we find the one that fits.
The result: we close over 95% of the applications we start. That's unusual in the DSCR space — most rigid-box lenders decline a significant share of deals that we'd fund, either for thin credit, low DSCR, bankruptcy history, or a property type their box doesn't match.
The Layers
Six layers, one application.
Standard DSCR
620+ credit, DSCR 1.0+, standard property types. Best pricing tier.
Flexible DSCR
Lower DSCR (down to 0.75), credit 580+, recent credit events accepted.
Easy 50
No minimum credit score. No minimum DSCR. Up to 50% LTV. Bankruptcy 1-day post-discharge OK.
Foreign National & ITIN
No SSN required. Accepts foreign credit. Ideal for non-US-citizen investors.
Bank Statement / P&L
For self-employed borrowers whose tax returns understate actual income.
Restructure
When no standard layer fits, we restructure — different vesting, different LTV, different amortization — until the deal works.
What this means for your deal.
You submit one application. We run it through every layer. If layer 01 doesn't fit, we try 02 — without you re-submitting, re-explaining, or re-pulling credit.
You get one term sheet. From the layer that gives you the best terms your scenario qualifies for. If we can't close it, no other lender can.
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