Background
Bridget Brick is the founder of Get Brick Capital, a DSCR-only mortgage brokerage based in Tennessee and operating across 46 U.S. states. She has been originating DSCR loans for real estate investors since 2021, and has personally shepherded over $100 million in closed DSCR loan volume across long-term rentals, BRRRR refinances, cash-out refinances, hard money exits, and short-term rental purchases.
Get Brick Capital is built around a core operating principle: investors should qualify for loans on the property, not on their personal income. Every loan the firm originates is qualified on Debt Service Coverage Ratio — the property's rental income relative to its debt obligation. There are no W-2s, no tax returns, no employment verification, and no DTI calculation on any program.
Specialty
Bridget specializes in DSCR scenarios that other lenders walk away from:
- BRRRR refinances with no seasoning requirement and no executed lease
- Cash-out refinances with sub-1.0 DSCR through expanded programs
- Section 8 rental financing and small balance loans down to $50,000
- FICO floors as low as 660 on standard programs and 500 on Program 7
- Self-employed investors with heavy tax write-offs that disqualify them from conventional loans
- Hard money exits where the borrower has a balloon payment due before they have a tenant in place
- Delayed financing on cash purchases within 180 days of closing
Process
Bridget built Get Brick Capital's intake and processing workflow around investor cycle time, not lender convenience. Scenarios are submitted online and return a qualification decision within 24 hours. The entire loan — intake, quote, document collection, underwriting, and closing — runs over text and email. There are no required phone calls. The firm's average closing time is 28 days from intake to funding.
Capital Partners
Get Brick Capital is a brokerage, not a direct lender. Bridget maintains relationships with multiple capital partners across the DSCR market and matches each investor scenario to the partner whose program best fits the deal. This multi-lender model is the reason the firm can fund scenarios — sub-1.0 DSCR, Section 8, $50,000 minimums, 660 FICO, no-seasoning BRRRR — that single-product direct lenders frequently turn away.
Areas of Expertise
- DSCR loan origination and brokerage
- Investment property financing across long-term and short-term rentals
- BRRRR strategy financing without seasoning or lease requirements
- No-income-verification mortgage structures
- Section 8 and small balance rental loans
- Hard money and bridge loan exit financing
- AirDNA-based qualification for short-term rental purchases
Connect
Bridget can be reached through Get Brick Capital's scenario intake. The firm's LinkedIn page is at linkedin.com/company/get-brick-capital.