All Loans Funding qualifies investors on the deal, not the paycheck. Run your numbers below and see where you stand — no credit pull, no obligation.
Pick the profile closest to yours — the terms, documentation, and pace of closing shift depending on what you're financing.
You don't need two years of landlord history to get funded. If the property cash flows, that's your qualification.
"I didn't think I'd qualify without two years of tax returns. Turns out the deal qualified itself."
Blanket and portfolio structures let you finance multiple doors under one loan, so you're not re-underwriting your whole life every time you buy.
"They didn't ask me to prove I could manage twelve doors. They asked if the twelve doors could pay for themselves."
Projected short-term rental revenue is accepted using market rent tools, so a strong Airbnb comp set can carry the file — even on a purchase with no rental history yet.
"No booking history, no problem — the comps did the talking."
Above 4 units or blending residential with retail or office space changes the underwriting — you get a program actually built for that, not a DSCR product stretched to fit.
"They structured around the retail unit instead of ignoring it. That's the difference."
Address, purchase price or payoff, and estimated rent. Takes about five minutes — no application fee, no credit pull yet.
A licensed loan officer runs your DSCR and sends back actual terms for your file — LTV, rate, and reserve requirements.
We collect what the deal needs — entity docs, lease or rent comps, insurance, title. No pay stubs, no tax returns.
Average time to close runs around 21 days from a clean submission, faster on straightforward SFR purchases.
"This is my fourth deal with them. Same process every time, so growing the portfolio stopped feeling like starting over."
"Cash-out refi closed in nineteen days. That capital was back in a new contract before the old file was even fully archived."
"I called with a weird mixed-use deal expecting a no. Got a term sheet instead."
Send us the basics on your deal and a licensed loan officer will follow up with real terms — usually within one business day. No cost, no obligation, no impact to your credit.