DSCR Rental Loans
For buy-and-hold investors scaling a portfolio. Qualify on rent vs. payment (typically 1.0–1.25x) — no personal income, close in your LLC, and no property-count cap.
Buy & hold · PortfolioDSCR qualifies on the property’s rent — no W-2s, no returns, no DTI — and closes in your LLC. Fix & flip up to ~90% LTC plus 100% of rehab, funded in 10–14 days. No Fannie/Freddie 10-property cap, so every deal that cash-flows can be financed. And if you send your network, there are no referral fees to complicate it — just a lender that performs.
You lose deals to slow approvals, rigid agency rules, and underwriters who want a tax return you’ll never hand them. Here’s what changes when the lender underwrites the asset instead of you.
DSCR approves on the property’s rental income alone — no personal income, no returns, no W-2s, no DTI. Write-offs and complex income stop being a problem. Close in an LLC.
Roughly 27% of recent home sales went to investors competing with cash; a slow lender loses the contract. Our fix & flip and bridge fund in as little as 10–14 days while banks take 30–60.
Fannie/Freddie cap you at 10 financed properties; serious investors hit it. DSCR, portfolio, and blanket loans have no cap — every deal that cash-flows can be financed.
Up to ~90% LTC on the purchase plus 100% of rehab means less cash tied up per deal — and more deals in flight at the same time.
Reduced- or no-seasoning DSCR cash-out vs. the 12-month conventional seasoning wall — pull equity on the new appraised value and redeploy without selling the property.
Become the lender you hand your JV partners, wholesalers, and investor friends. No referral fees means no kickback, no compliance exposure — just a partner who performs.
Conventional underwriting was built for a W-2 borrower buying one house — not for an operator running a portfolio. These are asset-based, business-purpose programs that qualify on the property and the plan, and close fast enough to win the deal.
For buy-and-hold investors scaling a portfolio. Qualify on rent vs. payment (typically 1.0–1.25x) — no personal income, close in your LLC, and no property-count cap.
Buy & hold · PortfolioUp to ~90% LTC on the purchase plus 100% of rehab, 12–24 month interest-only with interest reserves. Close in 10–14 days so you can move on the deal.
Flip · BRRRRReduced- or no-seasoning DSCR cash-out to pull equity on the new appraised value — recycle your capital into the next deal instead of waiting out a 12-month seasoning clock.
Recycle capitalFinance multiple doors under a single loan, outside agency property-count caps. One closing, one payment, one partner across the whole portfolio.
Past 10 propertiesQualify on short-term-rental income — AirDNA projections, 12 months of platform history, or an STR appraisal — for the cash-flow your nightly operation actually produces.
Short-term rentalGround-up construction and build-to-rent financing for the fastest-growing rental segment — from a single spec build to a BTR community.
Ground-up · BTRWe lend to the entity, not the individual — the standard structure for serious operators who keep liability off their personal name. Title vests in your LLC at closing.
Entity · Asset-protectionBank-statement, asset-depletion, and alternative-qualification programs for when conventional underwriting says no but the numbers say the deal works.
Complex incomeHave a deal that doesn’t fit the box? Send us the scenario — we’ll tell you the path before you go under contract.
When you have three deals in flight, the lender that goes dark is the one that costs you a contract. Every Fidelity loan runs on the Mortgage Hub portal: real-time status across all your active loans, draw and rehab-condition tracking, and a direct line to underwriting — so you always know exactly where each deal stands.
No referral fees. No volume quotas. No exclusivity. Just a capital partner that underwrites the asset, closes fast, and scales with you as the door count climbs.
Below are real reviews from Fidelity clients who invest exactly like you — seasoned real estate investors, private-money lenders, builders, and multi-property / 1031-exchange operators. Every quote is verbatim from a public review on Google or Zillow; click through to verify on the source.
Working with Robert Shamie was a dream. He and his team made the process of refinancing our mortgage so smooth and easy. And fast! He was an absolute professional and went above and beyond to make sure our loan went through.
As a real estate investor I have come across many professionals. One of the most important aspects in my line of business is funding. Robert Shamie’s professionalism and ability to obtain outstanding terms surpasses many others. I highly recommend Robert and team.
We’ve been in real estate for many years, having financed and refinanced dozens and dozens of properties. Robert Shamie and Fidelity Residential are among the best we’ve ever worked with — careful attention to detail, quick response times, patience in answering the many questions.
I have worked with Robert and Lindsy on many purchases and refinances over the last 15 years, and I always come back because of the competitive rates, efficient service and no-nonsense approach to getting the deals done. This time, we were in a multi-asset 1031 exchange and needed to close 2 properties in a narrow time frame. Robert provided excellent advice on how to structure the 1st purchase so that the 2nd would be able to close without any issues, and both deals were able to close early.
Robert, Lindsy and the entire team at Fidelity Residential went above and beyond. My wife and I are both business owners, which can make the home buying process more difficult. This was not the case. Robert and Lindsy told us exactly what they needed and the process was simple and straightforward. We will be doing business only with Fidelity Residential moving forward.
This is my second loan with Robert and I was very pleased. My loan situation is somewhat ‘out of the box,’ but Robert was able to provide a few scenarios to work with. We chose what best fit our needs, then Robert and Lindsy got it done.
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