We Specialize in DSCR & Mini DSCR Loans
We Specialize in DSCR & Mini DSCR Loans
$1,600,000
$310,000
$1,295,000
$1,450,000
$1,200,000
$95,000
$510,000
$275,000
$850,000
A DSCR loan (Debt Service Coverage Ratio loan) is financing based on a property’s income, not your personal earnings. Lenders check if the property’s cash flow (NOI) can cover the loan payments by calculating the DSCR ratio. A ratio of 1.0 or higher means it’s a good fit. Perfect for investors relying on rental income
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A P&L loan is a mortgage that looks at your actual business income instead of just tax returns. Perfect for self-employed borrowers, freelancers, and business owners who...
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A fix & flip loan is short-term financing that lets real estate investors quickly buy a property, fund renovations, and sell it for profit. Unlike traditional mortgages, these loans are all about speed; you get fast approval and funding, but typically pay higher interest rates (often 8-12%).
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A multifamily loan is a commercial real estate loan used to finance apartment buildings with five or more units. These loans help investors purchase, refinance, or upgrade rental properties. Chase offers multifamily financing ranging from 500,000 to 25 million or more, with terms designed for stable, income-producing properties.
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If you’re investing in a property that combines business and residential spaces, a commercial mixed-use loan could be your best financing option. These loans help investors and developers purchase or refinance buildings with both income-generating commercial units (like retail stores or offices) and residential units (like apartments or condos).
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If you’re investing in a property that combines business and residential spaces, a commercial mixed-use loan could be your best financing option. These loans help investors and developers purchase or refinance buildings with both income-generating commercial units (like retail stores or offices) and residential units (like apartments or condos).
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A foreign national loan is a U.S. mortgage designed for non-citizens or overseas investors, allowing them to purchase American real estate without a U.S. credit history. These loans often use alternative underwriting (like asset verification or DSCR) and cater to buyers seeking investment properties, second homes, or relocation financing.
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Pro Investor Capital offers ground-up construction loans tailored for experienced builders developing 2-200 spec homes annually. Skip the bank hurdles—our loans deliver higher leverage, competitive rates, and faster closings, so you can break ground without delays.
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It takes less than 2 minutes to complete our simple, initial online loan application form.
Your dedicated account expert will find the perfect program fit for you and will guide you step by step through the entire process.
Once you receive an approval of your loan application, we will provide you with a written offer disclosing all terms in an easy to understand manner.
The loan is funded through escrow and funds will be wired to you directly.
With rising demand for renovated homes and limited inventory, fix-and-flip investing remains a powerful way to generate fast returns. Whether you’re a seasoned investor or just starting out, these short-term
Artificial Intelligence isn’t just changing tech companies anymore. Instead, it’s revolutionizing real estate in ways most people don’t even realize. For instance, while you’re scrolling through Zillow, AI is already
Short-term rentals like Airbnb are crushing regular rental properties when it comes to making money. For example, while a normal rental might bring in $1,500 per month, the same property
What is a pre-payment penalty?
A pre-payment penalty is a fee lenders charge if you pay off your loan early, such as refinancing or making extra payments. It helps lenders recover lost interest. Not all loans have this penalty, so check your loan terms to avoid surprises.
Do I need an appraisal?
Yes, in most cases an appraisal is required to determine the property’s current market value. For Fix & Flip loans, we also consider the After Renovation Value (ARV) to project the property’s worth once improvements are complete.
What is ARV? (After Renovation Value)
ARV is the estimated value of a property after it has been renovated or improved. Lenders use ARV to calculate how much financing you can qualify for on rehab and Fix & Flip projects.
What is a Fix & Flip Loan?
A Fix & Flip loan is a short-term financing option for investors who buy undervalued properties, renovate them, and resell for a profit. These loans are based on the purchase price plus renovation costs, often tied to the ARV, and are designed for fast funding and short repayment terms.
How does the IRS define an investment property?
According to the IRS, an investment property is real estate purchased with the intention of generating income or profit. This can be through rental income, appreciation, or resale after improvements. Unlike a primary residence, investment properties are not used as the borrower’s main home.
How many investment properties can I own?
Traditional banks often cap investors at 10 properties, but with ProInvestor Capital, there are no hard limits. We work with investors building portfolios from a single property to hundreds of doors.
How do I get a mortgage with no personal income?
With our No-Doc and DSCR loan programs, you can qualify without W-2s, tax returns, or personal income documentation. Instead, approval is based on property cash flow, rental income, or ARV, making it easier to scale your investments.
Can I get a fixed interest rate?
Yes. We offer both fixed and adjustable-rate options, depending on your investment goals. A fixed rate provides predictable monthly payments, while adjustable rates may offer lower initial costs.
What is the minimum credit score for an investment loan?
While requirements vary by program, most of our loans can be approved with a minimum credit score of 620. Stronger credit profiles may qualify for better rates and terms, but we also specialize in creative solutions for investors with unique circumstances.
