Jing Miao

Commercial capital provider specializing in business-purpose investor financing across license-exempt states. Based in California, we operate completely virtually to fund real estate investors without traditional W2 income verification or tax returns. Our Core Lending Programs: • Fix & Flip / Bridge Loans: Capital to purchase and renovate distressed properties. Funding up to 90% of the purchase price and 100% of the renovation budget, with swift closings in 10–14 days. • DSCR Rental Loans: Long-term 30-year fixed options for stabilizing income-producing portfolios. Qualification is based directly on the property's Debt Service Coverage Ratio (DSCR), with qualifying ratios starting as low as 0.8x.