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No W-2s. No tax returns. No personal DTI. Just property performance and the capital to grow your portfolio — fast.
Qualify using the rental income of the property — not your personal income. Perfect for buy-and-hold investors building long-term portfolios.
Short-term capital to close fast when a deal can't wait. Bridge the gap between acquisition and long-term financing with speed and flexibility.
Acquisition and rehab financing for value-add investors. Draw funds as work is completed and maximize your ARV on every flip.
2 to 4-unit residential investment properties with investor-friendly underwriting. Scale from single-family to small multi-family with ease.
Deep Dive
DSCR stands for Debt Service Coverage Ratio — a measure of whether a rental property generates enough income to cover its mortgage payments. Lenders use this instead of your personal income to qualify the loan.
A DSCR of 1.0 means the property breaks even. Most lenders prefer 1.1 or higher. Bentley works with a range of scenarios to find solutions for your deals.
Min DSCR Ratio
Min Credit Score
Max LTV
Fixed Available
Bentley closed my DSCR loan in under 3 weeks. No tax returns, no headaches. I've done 4 deals with them and each one gets smoother. This is what investor lending should look like.
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