Long-term debt solutions for stabilized assets. DSCR loans, portfolio products, and agency financing — structured around your cash flow, not your W-2.
Permanent financing is the long-term debt solution for stabilized income-producing properties. Once your asset is performing — occupancy up, rents stabilized, cash flow consistent — permanent financing locks in your hold and optimizes your returns.
The cornerstone product here is the DSCR loan (Debt Service Coverage Ratio). Unlike conventional mortgages, DSCR loans qualify the property on its rental income, not your personal tax returns. That means investors with complex income profiles or multiple LLCs can still access competitive long-term debt.
We also work with portfolio lenders who offer blanket loans across multiple properties — ideal for investors who want to consolidate their debt, streamline payments, and free up equity for new acquisitions.
Whether you're refinancing out of a bridge loan, cashing out equity from an appreciated asset, or purchasing a stabilized multi-family property, permanent financing is how you hold for the long term and protect your cash-on-cash returns.
Once your value-add project is complete and the property is stabilized, move into a long-term product with better rates and terms.
Buying a property that's already tenanted and cash-flowing? Permanent financing is the right tool from day one.
Access equity from an appreciated property to fund your next acquisition without selling the asset.
Roll multiple individual loans into a single portfolio product to simplify your debt stack and improve cash flow.
Complex tax returns or business income? DSCR-based permanent financing qualifies on rent, not your 1040.
Locking in 30-year amortization on a multi-family asset to maximize monthly cash flow over your hold period.