About Get Brick Capital
Investor Financing Built Around the Deal
Get Brick Capital provides direct-to-wholesale financing for real estate investors. We work across multiple capital partners to match each DSCR scenario to the program structure that best fits the property, transaction, credit profile, and investor strategy.
Based in Brentwood, Tennessee. Serving investment properties in 46 U.S. states.
$100M+
Closed DSCR loan volume
46
U.S. states serviced
2021
DSCR-focused since
~28 days
Typical close with complete docs
How We Operate
Built Around Investor Lending
Real estate investors rarely have identical files. A freshly completed BRRRR, a seasoned cash-out refinance, a Section 8 rental, a short-term rental purchase, and a low-credit acquisition can all require different capital partners and different underwriting rules.
Get Brick Capital is structured around that reality. Rather than presenting every borrower with one lender's program, we compare the scenario against multiple wholesale options and identify the structures that fit. That creates more flexibility when a deal involves seasoning, lease requirements, low DSCR, property-type issues, credit constraints, or a time-sensitive hard-money exit.
The company has remained focused on DSCR and real estate investor financing since 2021. Our systems are designed to keep the process clear, document requests targeted, and communication fast from quote through closing.
Why Get Brick Capital
A Process Built for Investors
Direct-to-Wholesale Access
We match investor scenarios to multiple wholesale capital partners instead of forcing every deal into one rate sheet or one credit box.
DSCR Specialization
Our process is built around rental-property financing. DSCR income qualification is based on the property rather than W-2 or personal tax return income.
Refinance and BRRRR Expertise
We work heavily with cash-out refinances, completed-renovation BRRRR exits, hard-money exits, rate-and-term refinances, and other investor scenarios where timing and value basis matter.
Options Within 24 Hours
With sufficient scenario information, we can generally return rate and program options within 24 hours. Initial quote requests do not require a credit pull.
Text-First Process
Borrowers can handle most of the process by text and email, including quote review, document collection, processing updates, and closing coordination. Phone calls are available when useful, not required as a default step.
Program-Specific Solutions
Minimum loan size, seasoning, lease requirements, credit thresholds, leverage, and pricing vary by program. We structure the file around the scenario rather than advertising one fictional all-in-one program.
Scenarios We Work With
Investor Financing Across the Hold Cycle
BRRRR and Completed Rehab
Qualifying completed-renovation programs can use the new ARV immediately after rehab is complete. Other refinance paths generally use a 91-day ownership threshold before relying on the new value.
Cash-Out Refinance
Options include standard new-ARV cash-out after the applicable ownership period, immediate completed-rehab programs, Section 8 files, small-balance loans, and lower-credit structures at reduced leverage.
Hard-Money and Bridge Exits
We help investors move completed or stabilized rentals from short-term acquisition or renovation debt into longer-term DSCR financing.
Long-Term Rental Purchases
Qualifying long-term rental purchases can reach up to 85% LTV at 740+ FICO. Lower-leverage options are available across a wider range of credit profiles.
Short-Term Rentals
Qualifying STR purchases can reach up to 80% LTV at 680+ FICO. AirDNA projections are accepted by multiple capital partners, and prior STR experience is not required on certain programs.
Self-Employed Investors
DSCR income qualification does not use W-2s or personal tax returns. Asset documentation is still part of the process, and the most recent two months of bank statements are generally used to verify liquidity and reserves.
Program features are not universal. Leverage, seasoning, lease requirements, credit thresholds, property eligibility, pricing, and documentation depend on the selected capital partner and program.
From Quote to Closing
How the Process Works
01
Submit Your Scenario
Tell us about the borrower, property, transaction, requested loan amount, rental strategy, and timing. The initial quote request does not require a credit pull.
02
Compare Wholesale Options
We review the scenario against applicable capital-partner programs and generally return rate and structure options within 24 hours when enough information is available.
03
Choose a Structure
After you select an option, processing begins. Credit authorization, appraisal, title, entity documents, bank statements, and other program-specific items are collected as needed.
04
Underwrite and Close
We coordinate the file through underwriting and closing. A typical file closes in about 28 days with complete documentation, with faster timelines possible on qualifying files but not guaranteed.
Get a Quote
No credit pull for the initial quote. Options generally within 24 hours. Typical 28-day close with complete documentation.