DSCR Loans for Real Estate InvestorsFast Closings in 46 States
The DSCR Lender That ClosesWhile Others Make You Wait.
Completed renovation? Our Program 3 option can use the new ARV immediately with no lease required. Other program rules vary by scenario. No W-2s, pay stubs, or personal tax returns are used to qualify DSCR income.
BRRRR Refi · Ohio
Closed in 28 days
Every Type of DSCR Loan
Refinance or purchase. We match your scenario to the wholesale program that actually fits it.
BRRRR Refinance
Completed renovation? Program 3 can use the new ARV immediately with no lease required. Minimum 660 FICO, $75,000 loan, and $100,000 property value.
Cash-Out Refinance
Multiple cash-out paths by seasoning, FICO, state, lease status, and loan size. We match the file instead of stacking unrelated program features.
Rate & Term Refinance
Exit bridge or hard-money debt. Before 91 days, leverage can use the original basis; new-ARV treatment depends on the program.
DSCR Purchase: LTR
Qualifying LTR purchases can reach 85% LTV at 740+ FICO. Separate small-balance, low-FICO, and low-DSCR options are also available.
DSCR Purchase: STR
AirDNA is accepted by multiple partners. Actual Airbnb/VRBO history can often be used too. No prior STR experience on Programs 2, 4, and 5.
Delayed Financing
Program 1 can begin immediately after an all-cash purchase, return up to 80% of the purchase price, and must close within 180 days.
Close Via Text
No phone call required
Same-Day Rates
We respond within 24 hours
No Personal Income Docs
No W-2s or personal tax returns
From Quote Request to Funded
Typical close is about 28 days with complete documentation. No phone call required if you prefer text and email.
Request a Quote
Tell us about the property and deal. No credit pull for the initial quote.
Review Your Terms
Expect initial rates and options same-day or within 24 hours when we have enough scenario information.
Proceed and Close
If you accept terms and authorize processing, we collect the remaining loan documents and move toward closing.
No credit pull for the initial quote · No phone call required
What Investors Say
“I've been working with Bridget and Brick Capital for almost 2 years. We've financed over 30 deals, and they've cashed-out over $7 million for us. Brick Capital is the reason we're able to grow our portfolio to over $30million so fast. They know our process and our files, and keep it all organized when we are ready for another loan.”
Cornelius M.
$30M Portfolio Flipper in Philadelphia
“We brought our entire portfolio of 50 properties to Brick Capital. Had bought a bundle of homes at a discount, did some repairs, and needed the cash-out to payoff renovation loans. The Brick team was organized across all our files & gave us spreadsheets on the advantages of each loan. Highly recommended if you want to stay organized.”
Matt R.
Portfolio Owner of Section 8 Rentals
“With no seasoning requirements, we've done several cash-out refinances with Brick Capital, and now that they have 100% financing for renovation loans, we're doing a new property every month.”
Kenny W.
CEO: KW Holdings
“I've done a handful of refinances with the Brick Capital team. We didn't like the first appraisal value, so they ordered another one with a different appraiser. The second one came in much higher and gave us the cash-out we needed to get the next one under contract. They're overall patient and offered quick solutions.”
John R.
Retired Investor
DSCR Loan
Calculator
Run the numbers on your deal before requesting a quote. Enter rent, costs, and rate to see how DSCR and LTV affect the estimated loan size.
Quick Deal Check
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Max Eligible Loan
$226,547
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Complete the quote request in about a minute. No credit pull and no phone call required for the initial quote.