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Google rating
Investment and business purpose
Financing built for
real estate investors.
Business-purpose lending for real estate investors, on rentals and projects in multiple states. Structured around the property and the plan, not just a pay stub.
LLC-friendly · Many lenders, one application · Clear terms
22
Client reviews
LLC-friendly
Entity vesting welcome
Lender for life
Support past closing
Start here
DSCR: qualify on
the property.
A DSCR loan qualifies your rental on the income it produces, not your tax returns. It is the lead product for a reason: it fits the way investors actually hold and grow property.
- Qualify on rental income against the monthly payment
- No tax returns or W-2s in most cases
- Close in an LLC or other approved entity
- Purchase, rate-and-term, or cash-out refinance
Beyond DSCR
The rest of the toolbox
Every stage of an investment has a matching structure. MaryAnn maps your deal to the right one and shops it across lenders.
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Fix & flip
Short-term funding for purchase and rehab, sized to the project.
- Funding for purchase and rehab costs
- Draw schedules matched to the work
- Exit to sale or a DSCR refinance
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Commercial & SBA
Multifamily of five or more units, plus business-purpose commercial loans.
- 5+ unit residential ("doors")
- SBA options for owner-users
- Term structures explained plainly
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Ground-up construction
Financing for new residential or commercial builds, spec or held.
- Spec and investment builds
- Residential or commercial projects
- Draws through construction
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Private money & bridge
Short-term capital when timing matters more than paperwork.
- Fast, flexible short-term loans
- Distressed and time-sensitive assets
- A clear exit plan, mapped up front
Where we lend
Your state,
your first question
Business-purpose investor loans are available in most states, and availability depends on the property state and the program. Home loans for a house you will live in are available in Florida. Ask about your state in the first conversation, or see the licensing page for the full picture.
Licensing and where we lendThe loan programs on this page are business-purpose loans secured by non-owner-occupied investment property. They are not consumer loans and are not available for a home you intend to occupy.
Questions
Straight answers
for investors
The questions investors ask most before a first conversation. Anything else, just call or text.
What is a DSCR loan?
A DSCR loan qualifies an investment property on the rent it produces rather than your personal income. In most cases no tax returns or W-2s are required, and the property can close in an LLC.
Can I close in an LLC or other entity?
Yes. Business-purpose investor loans can close in an LLC or other approved entity, subject to lender guidelines. MaryAnn will walk you through the trade-offs of entity versus personal ownership.
What states do you work in?
Business-purpose investor loans are available in most states, and it depends on the property state and program. Ask about yours in the first conversation.
I am buying my first rental. Is that a problem?
No. Many programs work for first-time investors, and the first conversation is about matching the loan to your plan. Experience can widen your options, but it is not a requirement to start.
How fast can an investor loan close?
It depends on the program and how quickly the paperwork comes together. DSCR loans often close in about two to three weeks, and MaryAnn tells you exactly what is needed at every step.
Going to live in it?
Then it is a
home loan
Everything on this page is business purpose, secured by property you will not occupy. If the house is one you plan to live in, even part of the year, it runs on the consumer side instead: FHA, VA, conventional, and second-home programs, available in Florida.
Explore home loans →
Free consultation and resources
Bring the deal.
Call or text MaryAnn directly, or schedule a time that works for you. A real advisor who speaks investor, no obligation.
(407) 383-2350
Ready to apply? Start your application online (opens in a new tab)