No tax returns. No DTI. Qualify on the rent the property produces. We compare Kiavi, Visio, Lima One, Angel Oak, and 38 others on the same file so you get the lowest rate — not whatever a single bank happens to offer.Qualify on rental income—not tax returns. We shop 40+ DSCR lenders for your strongest options.
"Got 3 quotes back in under 24 hours. Closed my Long Beach DSCR in 19 days."
"Refi'd my Anaheim STR. They actually shopped 5 lenders and showed me the spreads."
"45 years in business and it shows. Smooth, no surprises, no last-minute changes."
"Self-employed with crazy returns — they got a No-Ratio DSCR done where two others said no."
Direct lenders like Kiavi and Visio quote you their price. We quote you the best of 40+ lenders on the same file. It's the same lenders you've heard of — we just have wholesale relationships and shop them all at once.
You apply directly. They quote one rate.
We submit the same file to 40+ lenders. They compete.
Buy, rehab, rent, refinance, repeat.
Bridge loan during rehab, then DSCR refi at stabilization — same broker, same file. Closes the gap conventional lenders won't touch.
Airbnb / VRBO investors.
We use AirDNA projections to qualify your short-term rental — not long-term comps that miss the income. STR DSCR is our highest-growth program.
Investors past the Fannie 10-property cap.
DSCR has no limit on properties financed. We've taken clients from property #11 to #38 without a single tax return submitted along the way.
Asset protection without rate penalty.
Close in your LLC name, no personal guarantee on most programs. Most direct lenders charge an LLC premium — we shop the ones that don't.
Pull equity to buy the next deal.
Up to 80% LTV cash-out on stabilized rentals. Funds in 3 weeks, no income verification, no tax returns. Use the cash for the next purchase.
Write-offs killing your qualifying income?
DSCR ignores your personal income entirely. Doesn't matter if your Schedule C shows a loss — the property qualifies, not you.
No credit pull until you say go. No tax returns. No bank statements for most programs. We've been doing this since 1981 — the process is boring on purpose.
Start My QuoteAddress, value, rent. That's it. No credit pull yet.
Best three quotes back to you within 24 hours.
Rate locked same day. Light docs uploaded online.
Appraisal, title, sign anywhere. Wire same day.
"Closed my 11th rental in 19 days. Conventional wouldn't even talk to me. Del shopped three DSCR lenders and got me a rate 0.4% lower than my quote from Kiavi."
"My CPA writes my taxes off to zero. Banks said no on every refi. Del got me a No-Ratio DSCR closed in 22 days on a $1.4M Newport STR. Game changer."
"I'd worked with two brokers before who just resold Kiavi at a markup. Del actually shopped 5 lenders, showed me the spreads, and we picked the best one together."
When you submit a quote, it goes straight to Randy — a licensed loan officer who's been closing California investor loans for four decades, not a call-center rep reading a script.
Submit the property below or call (949) 449-1889. Within 24 hours, you'll have three side-by-side quotes from our top-pricing lenders — no credit pull, no commitment.