DSCR Loans & Investment Property Loans
Capital for Every Property in Your Portfolio—From First Door to Stabilized Asset.
Whether you're acquiring a rental, flipping a distressed property, breaking ground on new construction, or stabilizing a multifamily asset, Trifecta Business Group matches your deal to the right investor-grade capital. Qualify on the property's cash flow, close fast, and scale on your terms.
DSCR qualification Timing depends on the program and lender Finance in your LLC
Matched to one lender at a time, with your consent.
Our borrower standard
Borrower Protection Standards
One advisor, one matched lender
Your file goes to one lender at a time — never broadcast or auctioned.
Never sold to lead lists
Your information and documents are not sold to lead buyers.
No hard credit pull to explore
No hard credit pull to explore your options.
Commercial only, costs explained
Business-purpose financing; we walk through costs and payoff before you sign.
See which investor financing fits your deal
Four quick questions about your deal — the exit, your experience, the scope, and the cash you're bringing. No hard credit pull to start, just a clear read on which asset-based structures fit.
What's the exit on this deal?
Investor financing is written around how the property gets paid off — selling, holding as a rental, or building new.
One advisor, one lender at a time. Your file is never sold or auctioned.
From a small working-capital bridge to major expansion capital.
Approval, rates and timing depend on underwriting and are never guaranteed.
Basic intake takes about 3 minutes, plus upload separately.
Three steps from application to funded
Apply — about 3 minutes, plus upload
Tell us your revenue, time in business and how much you need. About 3 minutes, plus upload. No hard credit pull to explore.
We match your file
A funding advisor matches your file to one suitable lender at a time, with your consent.
Review and get funded
Review any available terms with no obligation. Approval, rates and timing are never guaranteed.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
One Capital Partner for Every Investor Strategy
Four purpose-built loan families covering the full investor lifecycle—acquire, renovate, build, and stabilize. Tap a category to explore the specific programs inside each.
Rental Loans
Long-term, cash-flow-friendly financing built for landlords growing portfolios of single-family and small-balance rentals.
Rental Portfolio Loan
Finance multiple single-family residences or multi-family units under a single, streamlined facility.
30-Year DSCR Loan
Qualify based on the property's cash flow (Debt Service Coverage Ratio) rather than personal income verification.
30-Year DSCR Portfolio Loan
Aggregate your entire rental portfolio into a single long-term, cash-flow-based DSCR loan.
Short-Term Rental Loan
Specialized financing optimized for Airbnb, VRBO, and vacation rental investment properties.
Working with a buyer as their broker?
Introduce the commercial deal. We share updates only with the buyer’s permission.
Estimate Your Property's Financing Viability Instantly
Lenders look for a DSCR of 1.20+ to qualify for premium rates. Move the inputs below to see where your deal stands.
Property Inputs
✅ Strong Cash Flow
Lenders look for a DSCR of 1.20+ to qualify for premium rates.
DSCR RateCushion™
Rate & rent sensitivity for rental properties
A single DSCR number hides risk. Stress your deal against rate moves and rent swings to see exactly how much cushion you have.
Base DSCR
1.28x
Rate cushion to 1.20x
+75 bps
Rent drop to break even
21.6%
| Rent ↓ / Rate → | 6.50% | 7.00% | 7.50% | 8.00% | 8.50% | 9.00% |
|---|---|---|---|---|---|---|
| -10% · $5,850 | 1.25x | 1.20x | 1.15x | 1.10x | 1.06x | 1.02x |
| -5% · $6,175 | 1.32x | 1.26x | 1.21x | 1.16x | 1.12x | 1.08x |
| 0% · $6,500 | 1.39x | 1.33x | 1.28x | 1.23x | 1.18x | 1.13x |
| +5% · $6,825 | 1.45x | 1.40x | 1.34x | 1.29x | 1.24x | 1.19x |
| +10% · $7,150 | 1.52x | 1.46x | 1.40x | 1.35x | 1.30x | 1.25x |
Educational estimate only — not an offer, approval, or rate quote. Our lending partners set final terms after underwriting.
Terms & abbreviations
- DSCR (Debt Service Coverage Ratio)
- Monthly rent ÷ monthly payment plus taxes, insurance and HOA. Above 1.00x means rent covers the costs.
- PITIA
- Principal, interest, taxes, insurance and association (HOA) dues — the full monthly housing cost.
- HOA
- Homeowners or owners association dues.
- bps (basis points)
- One basis point = 0.01%. 100 bps = 1.00% in interest rate.
- Rate cushion
- How far rates could rise before DSCR falls below 1.20x.
- Break-even rent drop
- How much rent could fall before it only just covers the monthly costs (1.00x).
- Stress matrix
- The grid showing DSCR across rent changes (rows) and rate changes (columns). Your base case is outlined.
- 30yr
- A 30-year amortization — the loan is paid down over 30 years.
CapitalBridge Horizon™
Two-stage bridge-to-permanent exit model
Model the bridge you need today and the permanent loan that has to take it out. See whether the exit pays off the bridge — before you sign.
Stage 1 · Acquire & improve
Bridge loan
$1,440,000
Your cash in
$360,000
Interest / month
$13,200
Total carry
$158,400
Stage 2 · Stabilized exit
Stabilized value
$3,000,000
Perm loan (DSCR 1.25x limits)
$2,052,255
Exit DSCR
1.25x
Cash out at refi
$612,255
Exit clears the bridge — the permanent loan pays it off with room to spare.
Educational estimate only — not an offer, approval, or rate quote. Our lending partners set final terms after underwriting.
Terms & abbreviations
- LTC (Loan-to-Cost)
- Bridge loan as a percentage of purchase price plus rehab budget.
- IO (Interest-Only)
- Bridge payments cover interest only — no principal — during the hold.
- Carry
- Total interest paid on the bridge over the hold period.
- NOI (Net Operating Income)
- Yearly rent and income minus vacancy and operating expenses, before loan payments.
- Cap rate (Capitalization rate)
- Market yield used to value the property: value = NOI ÷ cap rate.
- LTV (Loan-to-Value)
- Loan amount as a percentage of the property's appraised value.
- Debt yield
- NOI ÷ loan amount. Many permanent lenders look for a minimum, often around 8–10%.
- DSCR (Debt Service Coverage Ratio)
- NOI ÷ yearly loan payments. 1.25x means income is 25% above the payment; this model uses 1.25x.
- Perm / permanent takeout
- The long-term amortizing loan that pays off ("takes out") the bridge loan.
- Exit gap
- Shortfall when the permanent loan is smaller than the bridge balance — cash you'd bring at refinance.
Built for Active Real Estate Investors
We underwrite the deal and the property's performance—not your W-2. That keeps the door open for full-time investors, LLCs, and self-employed borrowers who traditional banks push away.
Property-Cash-Flow First
DSCR programs qualify on the rental's cash flow, so personal income verification isn't the gatekeeper.
Entity-Friendly
Finance in the name of your LLC or holding entity. We work with how investors actually hold title.
Flexible Credit
Lender programs and broad credit tolerances accommodate investors rebuilding or scaling aggressively.
Speed to Close
Organized files move more smoothly; real estate timing depends on the program, the appraisal and the lender.
Tell Us About Your Deal
Share a few details and we'll match your project to the right investor program across our lending partners. Once submitted, you'll be taken straight to the application portal to continue.
Questions, Answered
A traditional mortgage leans heavily on your personal debt-to-income ratio and W-2 income. A DSCR (Debt Service Coverage Ratio) loan qualifies the property instead—if the rent covers the debt service, you qualify. That makes it ideal for investors with complex or non-traditional income.
Yes. Our Rental Portfolio and 30-Year DSCR Portfolio loans aggregate multiple single-family or multi-family units into a single, streamlined facility—simplifying paperwork and often improving your overall terms.
Fix and flip financing can cover up to 90% of the purchase cost and 100% of the renovation budget, so you can move on deals without tying up all your own cash.
No. There is no hard credit pull to explore your options. A lender may run credit later, only if you choose to move forward.
Related financing: SBA 504 commercial real estate loans, commercial bridge loans and business acquisition loans.
Fund Your Next Real Estate Move
Tell us what you're building, buying, or refinancing. One advisor matches your file to one lender that fits the deal—across rentals, bridge, construction, and multifamily.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review involves no hard credit pull to explore your options.
Prefer to talk it through? Call 1.877.977.3015