DSCR rental loans lead the desk: standard DSCR qualified on the property’s rent, and no-ratio DSCR on select programs, for 1–4 unit and small multifamily investors in most states. Around them, Blue Fox Capital Corporation arranges and places fix-and-flip and bridge, construction, commercial and California home financing, matching each request to a program that fits.
Lead Program | Standard and No-Ratio DSCR | 1–4 Unit and Small Multifamily | Most States*
Qualify on your investment property’s rental income, not your personal tax returns. Standard DSCR for properties whose rent covers the payment, and no-ratio DSCR on select programs for properties that do not yet cash-flow, with restrictions. Purchase, refinance and cash-out, long- and short-term rentals, LLC vesting on select programs. Investment properties only.
Learn More About DSCR Loans →
No Rent-to-Payment Ratio on Select Programs | 1–4 Unit and Small Multifamily | Most States*
For investment property that does not cash-flow yet: vacant at closing, between tenants, being repositioned, a new short-term rental, or a high-tax market where the payment runs above today’s rent. No-ratio and low-DSCR programs set the rent test aside and underwrite credit, equity, reserves and the appraisal instead, with tighter restrictions than standard DSCR.
Learn More About No-Ratio DSCR Loans →
Select Programs | Qualify on Rent or Bank Statements*
Long-term financing for California rental properties. Qualify on the property’s rent (DSCR) or on bank statements, a CPA-prepared P&L or 1099s. Long- and short-term rentals, LLC vesting on select programs, and cash-out to fund your next purchase.
Learn More About California DSCR Loans →
Purchase and Rehab Funding on Select Programs | Subject to ARV Limits | Investment Property Only*
Acquisition and renovation financing for investors buying 1–4 unit properties to renovate and sell or rent, plus short-term bridge loans for acquisitions and refinances. Some programs don’t require prior flip experience. Leverage depends on your experience, the rehab scope and the after-repair value, and is subject to lender approval.
Learn More About Fix-and-Flip & Bridge Loans →
No-Ratio | 1–4 Unit Investment Property | Most States | Leverage varies by property and lender*
No-ratio hard money on 1–4 unit investment property in most states: asset-based financing qualified on the property, your equity and your exit, not a DSCR or income ratio. Purchase, refinance, bridge and fix-and-flip. Closing timelines depend on underwriting and lender approval. Availability varies by program, property type and state.
Learn More About Nationwide Hard Money →
Ground-Up | Construction Takeout and Refinance | Fix-and-Flip and Bridge | Draw-Funded*
Ground-up construction and heavy rehab for investors, builders and developers, the takeout refinance that pays the construction loan off, and fix-and-flip and bridge financing for 1–4 unit investment property. Construction and rehab funds are released by draw against completed work.
Learn More About Construction & Fix-and-Flip Loans →
Refinance Maturing Construction Debt | DSCR, Commercial or Bridge Takeout | Most States*
The refinance that pays off a construction loan once the project is complete or nearly complete: a DSCR or no-ratio DSCR loan for 1–4 unit and small multifamily rentals, a multifamily or commercial mortgage for larger buildings, or a bridge loan that carries the property through lease-up or sale.
Learn More About Construction Takeout Loans →
Purchase and Refinance | Most States*
Commercial financing for multifamily, office, retail, industrial, and mixed-use properties. Owner-occupied and investment options matched to your scenario, with non-recourse and SBA options on select programs. Term sheets are subject to review and lender approval.
Learn More About Commercial Mortgages →
Investment Property: Select Programs | Primary Residence: California Only*
Designed for self-employed borrowers, business owners, and freelancers who don’t fit traditional underwriting boxes. Programs include bank statement, CPA-prepared P&L, 1099 and asset-based qualification, with ITIN and foreign national options on select programs. Credit minimums vary by program. Loans on a home you live in are consumer loans, offered in California only and subject to full ability-to-repay review.
Learn More About Non-QM Loans →
Above Conforming Limits | Full-Doc and Alternative-Income | California*
Jumbo residential financing including bank statement, accountant-prepared P&L, 1099, and asset depletion documentation options.
Learn More About Jumbo Home Loans →
Purchase and Refinance | Conventional and Alternative-Doc | California*
Residential mortgage financing for California buyers and homeowners, including cash-out refinance.
Learn More About Home Loans →
Access Equity Without Refinancing | Three Structures*
Conventional seconds and HELOCs, and hard money seconds. Keep your existing first mortgage in place.
Learn More About Second Mortgages →
*All loan programs, rates, terms, and conditions are subject to change without notice and may vary based on borrower qualifications, property type, and market conditions. LTV limits and loan amounts represent general program parameters and are not guaranteed. Approval is not guaranteed and is subject to underwriting review. Blue Fox Capital Corporation arranges and places financing as a licensed mortgage broker (CA DRE 01527288 | NMLS 1840487; Daniel Eckhouse, NMLS 217328 | CA DRE 01977403). Blue Fox Capital Corporation is not the lender unless disclosed in writing for a specific transaction. Business-purpose and commercial financing is available in select states through the programs Blue Fox Capital Corporation places, and is not available in every state. Consumer residential financing is offered in California only. Availability varies by program, property type and state, and is subject to lender approval. Contact us for current rates and program details. Equal Housing Opportunity. Not all applicants will qualify. Business-purpose ranges shown apply to non-owner-occupied investment and commercial property only.
