DSCR Pricing Has Improved — Financing Options for Rental and Value-Add Projects

[Joyce Ann Magallanes]

We are seeing more competitive pricing on DSCR rental loans in qualifying scenarios. As a result, some investors are reassessing acquisitions, refinancing existing rental properties, or moving forward with projects that previously required tighter margins.

We work with real estate investors across multiple states and review a variety of investment property transactions, including:

• Ground-up construction financing with structured draw schedules, up to 90% loan-to-cost or 70% of completed value*

• DSCR rental loans up to 80% loan-to-value, with rates beginning around 5.99% in qualifying cases*

• Fix and flip financing structured around acquisition and renovation budgets for residential and mixed-use properties

• Bridge and gap financing for transitional or time-sensitive projects

• Combined structures up to 90% total loan-to-value, including first-position financing paired with seller carryback, subject to minimum DSCR requirements

Each transaction is evaluated individually based on the asset, borrower profile, and overall structure.

If you are currently evaluating a rental acquisition, refinance, or value-add opportunity, you may share the property details for preliminary consideration.

*All rates, terms, and leverage subject to underwriting, credit, property, and market conditions. This communication does not constitute a commitment to lend.