Understanding DSCR Loans
DSCR loans are designed for investors who want to leverage rental property cash flow. The loan is assessed based on the property's income relative to its debt obligations — not your personal W-2.
- Income-Based Evaluation: Qualification focuses on property income potential, not personal credit score alone.
- Portfolio Flexibility: Ideal for investors with multiple properties looking to scale without overstretching personal finances.
Fix & Flip Loans
For investors looking to renovate and resell properties quickly, Fix & Flip loans provide targeted short-term capital to cover acquisition and rehab costs.
- Fast Access to Capital: Quick approvals let investors move on deals before they're gone.
- Interest-Only Payments: Many programs offer interest-only structures, preserving cash flow during the renovation phase.
Ground Up Construction Financing
When traditional bank financing isn't an option for new development projects, ground-up construction loans provide crucial support for developers facing unique challenges.
- Tailored Solutions: These loans accommodate unconventional projects that may not meet standard bank criteria.
- Support for Developers: Whether building residential or commercial, this financing helps bring your vision to life.
Commercial Mortgages
For businesses purchasing or refinancing commercial real estate — office, retail, warehouse — commercial mortgages provide the long-term capital structure you need.
- Long-Term Stability: Typically structured over 5–20 years, providing operational stability for growing businesses.
- Potential Tax Benefits: Interest payments may be tax-deductible, offering additional savings for business owners.
Loan amounts and approvals are contingent upon debt-to-income ratios and credit scores.
Ready to explore your financing options? CBiz Capital is committed to helping you find the right solution for your unique investment strategy.
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