Every deal is different. Below are real examples of how rental property investors used our loan programs to acquire, refinance, and scale their portfolios. These scenarios represent typical closings — with property values, loan amounts, and credit profiles that reflect today's market. Your deal could look similar.
Single-Family Rental — Houston, Texas
$420,000
720
75%
$315,000
Program: 30-Year Fixed DSCR
Time to Close: 21 days
First-time investor purchased a turnkey 3-bed rental in a Houston suburb with no tax returns required. DSCR of 1.18 on $2,150/month rent.
8-Property Portfolio — Columbus, Ohio
$2,050,000
700
70%
$1,435,000
Program: Blanket Loan
Time to Close: 28 days
Experienced landlord consolidated 8 single-family rentals (averaging $256K each) into one blanket loan with a single monthly payment.
Beachfront Vacation Rental — Destin, Florida
$850,000
740
75%
$637,500
Program: Short-Term Rental Mortgage
Time to Close: 19 days
Airbnb host financed a high-income Gulf Coast beach condo using projected STR revenue of $6,800/month. DSCR came in at 1.32.
12-Unit Apartment Building — Decatur, Georgia
$2,400,000
680
65%
$1,560,000
Program: Multifamily Lending
Time to Close: 30 days
Investor scaled from single-family to a 12-unit complex ($200K/door) near Atlanta with stated income documentation. Units averaging $1,750/month rent.
See Yourself in One of These Deals?
Tell us about your investment property and we'll match you with the right program. Free rate quote, no hard credit pull to get started.
From a first rental in Houston to a 12-unit in Atlanta — we close deals investors count on.
Cash-Out Refinance — Scottsdale, Arizona
$460,000
710
75%
$345,000
Program: 5/10-Year Fixed Rate
Time to Close: 18 days | Cash Out: $90,000
Landlord pulled $90K in equity from a Scottsdale rental to fund the down payment on two additional properties in the Phoenix metro.
Duplex Purchase — Charlotte, North Carolina
$465,000
660
70%
$325,500
Program: Stated Income
Time to Close: 24 days
Self-employed investor qualified for a duplex in Charlotte's NoDa neighborhood using 12 months of bank statement deposits — no tax returns filed.
5-Property Portfolio Refinance — Indianapolis, Indiana
$1,250,000
730
75%
$937,500
Program: Portfolio Refinance
Time to Close: 25 days
Investor refinanced 5 Indy-area rentals (averaging $250K each) from individual loans into one blanket mortgage, saving $600/month in combined payments.
Mountain Cabin STR — Gatlinburg, Tennessee
$600,000
695
70%
$420,000
Program: No-Ratio DSCR
Time to Close: 22 days
Smoky Mountain cabin purchase approved with no DSCR ratio requirement. Projected Airbnb revenue of $5,200/month during peak season. Borrower's LLC held title at closing.
What makes a deal close fast?
Across hundreds of closings, the deals that move quickest have a few things in common. You don't need a perfect profile — but hitting three or four of these puts you in a strong position to close in under 30 days.
Fast-Close Deal Checklist
- FICO 700+ opens the best rate tiers and fastest approvals
- LTV at 75% or below — lower LTV means less risk and faster underwriting
- DSCR above 1.15 — shows the property covers the debt comfortably
- Clean title, current appraisal, and lease or rental projections ready
- Entity docs (LLC operating agreement, EIN) prepped if closing in an LLC
- Responsive communication — the biggest delay is waiting on borrower docs
Can you qualify with a 650 credit score and 80% LTV? Yes — we close those deals too. It takes a bit longer and the rate reflects the risk, but the deal still gets done. Every spotlight above started with a phone call or an application. Yours can too.
Your Deal Could Be Next
Tell us about your investment property and we'll match you with the right program. Free rate quote, no hard credit pull until you're ready to move forward.