Your equity doesn't wait
for lower rates.
DSCR & investor lending built to close. Qualify on the property's income — not your tax returns — and move on the deal while everyone else waits.
Don't bring a W-2 mindset to a wealth-building game.
Banks credit your paycheck. We credit your property. If the rent covers the payment, you're in the game — no pay stubs, no tax returns, no waiting on a rate that may never come.
Qualify on the asset
DSCR loans qualify on the property's income, not yours. Keep personal income out of the file entirely.
Move at deal speed
Closings in 14–21 days — and faster on bridge and flip deals. The investor with financing lined up wins.
Built to scale
Cash-out trapped equity, bundle portfolios, finance new builds. One partner for every stage of the play.
Financing for every investor play.
DSCR & Long-Term Rental
Qualify on the property's income — not your tax returns.
View terms →Bridge / Fix & Flip
Move fast on time-sensitive acquisitions and rehabs.
View terms →Portfolio & Commercial
Bundle doors, scale faster, finance by property type.
View terms →New Construction
Ground-up financing for investor builds.
View terms →GAP, EMD & 2nd Position
Capital to get a project across the finish line.
View terms →Foreign National
Investor financing for non-US-citizen borrowers.
View terms →Send the deal. We fetch the quotes. You close.
Tell us the numbers once. Our desk runs your scenario across multiple loan suppliers in parallel, packages the best terms, and brings them back to you — fast.
Tell us the deal
Address, price, rents (or STR), value, and timeline. Two minutes — and you'll see where you stand instantly.
We shop it across suppliers
Your scenario goes out to multiple loan suppliers at once. We compare terms so you don't have to chase them.
You get the best terms
We package the strongest quote and walk it to the closing table — typically in 14–21 days.
DSCR & Long-Term Rental — the landlord's best friend.
If the rent covers the payment, you qualify. First-time rental investors welcome — no track record needed. Strong short-term-rental income can qualify a loan too.
| DSCR Loan at a Glance | |
| Loan Amounts | $100,000 – $3,000,000 |
| Typical Rates | 6.00% – 9.00% (scenario-dependent) |
| Term | 30-Yr Fixed or 10-Yr Interest-Only |
| Max Purchase LTV | 80% |
| Cash-Out LTV | 75% |
| DSCR Requirement | 1.00 @ 80% LTV · 0.75 @ 75% LTV |
| Min Credit Score | 660 (some programs 620) |
| Short-Term / Airbnb | Eligible |
| Experience Required | None |
| Eligible Properties | SFR, 1–4 units, condos (livable) |
| Close Time | 14 – 21 days |
Investors who moved first.
I've done half a dozen loans with Century Key Capital, and they've always provided competitive rates and terms — and have been quick to prioritize me.
Century Key Capital did an incredible job helping me secure a great loan at a great rate. The process was smooth from start to close.
The team found us the perfect portfolio loan to meet our investment's unique needs. Exactly the partner a scaling investor wants.
Straight answers.
Do I need investing experience?+
No. Our DSCR and rental programs require no track record — first-time rental investors are welcome.
Do you check my income or tax returns?+
No income docs or tax returns on DSCR programs. We qualify the loan on the property's cash flow, with soft-pull options that typically don't report to bureaus.
How fast can you close?+
Typically 14–21 days on DSCR, and days — not weeks — on time-sensitive bridge and flip deals.
What's the minimum credit score?+
660 on most programs; some go to 620. The property's numbers carry the file.
Can I close in an LLC?+
Yes — every loan closes under an LLC. It's a feature: it separates personal assets from investment risk.
The opportunity is here. The team is ready.
Send a few details and we'll turn a real, multi-supplier quote quickly.