Your property cash-flows.
That's all the income we need.
InvestorMac Capital shops the largest menu of DSCR lenders under one roof — so you get the right loan for the deal, not whatever one bank happens to offer. No tax returns. No DTI. Close in your LLC.
Three ways investors put us to work
Whatever the play, the loan is qualified by the property — not your W-2.
Turn equity into cash
Pull the equity out of an investment property and put it to work — fund the next down payment, not a bank's balance sheet.
How cash-out worksRefi out of hard money
Exit your flip, bridge, or construction loan into a long-term 30- or 40-year mortgage — before the balloon comes due.
The hard money exitMaximize your cash flow
Use interest-only structures and the right rate to keep more rent in your pocket every month and stretch each property further.
Interest-only explainedDSCR programs designed for investors
Flexible guidelines, entity closings, and fast approvals built for today's market — so you can move quickly.
30 & 40-Year Fixed
Stable, predictable payments built for long-term holds.
No Income Docs
Qualify on property cash flow. No W-2s, no tax returns.
Negative Cash Flow OK
Select programs fund even when a property doesn't cash-flow yet.
No Cash-Out Wait
Access equity sooner — no extended seasoning on certain programs.
Interest-Only Options
Lower the payment and maximize monthly cash flow.
No-Prepay Options
Choose programs with full early-payoff flexibility.
LLC, Corp, Trust or Individual
Close in an entity, a trust, or your own name.
No Balloon Payments
Fully amortizing terms. No surprise balloon at the end.
FICO as Low as 450
Flexible credit guidelines for qualifying borrowers.
Recent Mortgage Lates OK
Recent lates reviewed case-by-case, not auto-declined.
Foreign Nationals Welcome
Investor programs for foreign nationals and international buyers.
Multi-Unit & Commercial
SFR, 2–4 unit, condo, STR, multifamily & mixed-use.
Application to funded in 2–4 weeks
Here's how a clean file moves when we get complete documents up front.
Apply
Submit a short application. We pull credit and order title the same day.
Appraise
Appraisal ordered. We confirm market rent and value the property.
Underwrite
We match your file to the right lender in our network and lock terms.
Fund
You sign, we fund, and cash hits your account. Done.
Most files close in 2–4 weeks with complete documents up front. Clean files can move even faster.
Will your property qualify?
DSCR is just rent divided by the payment. Plug in your numbers — this is exactly how we size a deal.
DSCR calculator
Estimate your debt-service coverage ratio in seconds.
For illustration only. Actual rate, payment, and qualifying terms are set at underwriting.
The box we lend in
A snapshot of typical DSCR guidelines. Outside the box? We have niche programs for that too.
Investors we've closed for
The same answer, deal after deal: communication, speed, and the right loan.
“Arman and the team got my deal closed timely and effectively. Constant communication exceeded expectations. Looking forward to the next closing.”
“Arman and his team did a wonderful job processing our loan in a very timely manner. We look forward to working with him again on our next project.”
“Team Arman is OUTSTANDING. Extremely helpful connecting us with the proper lender for our particular situation, and available whenever we needed clarification. We recommend them highly.”
“They made our experience easy every step of the way. Very personable and easily available. We will be calling for our next project.”
“The best broker out there. I reached out while still working on my credit and he gave me great advice. He updated me the entire time — closed fast and smooth. I'll definitely be back.”
“Arman had my back to make sure I could get this done — and done in a timely manner. He worked with me every step of the way to make sure everything went smoothly.”
Built for every kind of investor
If the deal makes sense on paper, there's almost always a program for it.
Portfolio builders
No Fannie 10-property cap. Scale from your fifth door to your fiftieth without hitting a wall.
Cash-out refinancers
Sitting on equity? Turn it into liquidity for your next acquisition — without selling the property.
Short-term rental operators
STR and Airbnb income qualifies on the right programs. Finance the cash-flow, not the tax return.
Buy, rehab & refinance (BRRRR)
Buy, rehab, rent, refinance, repeat. Exit hard money into a long-term fixed and pull cash for the next deal.
Foreign nationals
Invest in U.S. real estate without U.S. income history. Investor programs for international buyers.
Credit-rebuilding investors
Bruised credit but real equity? FICO from 450 and recent lates reviewed case-by-case.
Bring us the deal. We'll find the loan.
Get a no-obligation quote in minutes, or apply now and we'll start matching your file to the right lender today.
Prefer to talk it through? Book a 15-min call or dial (866) 675-5775.