Loan Programs
Programs & Terms
General program guidelines across all four loan products. Contact us for a personalized quote on your specific deal.
Get a Real Quote
Rates are personal.
Yours should be too.
Mortgage rates move with the market — sometimes daily. Rather than post numbers that could be outdated by the time you read them, we give you a real quote based on your actual deal: property type, loan amount, credit profile, and goals.
One conversation with Dante' and you'll have a clear picture of what your financing looks like — no guesswork, no bait-and-switch.
What affects your rate?
Loan Type
DSCR, fix & flip, bridge, and conventional all carry different pricing structures.
Credit Profile
Your credit score and history are key factors in rate and program eligibility.
Loan-to-Value
The amount you borrow relative to the property value influences your rate.
Property Type
SFR, multifamily, and commercial properties are priced differently.
Market Conditions
Rates move with the broader market — a live quote reflects today's pricing.
Loan Guidelines
Program overview.
General program features for each loan type. Every deal is evaluated on its own merits — contact us for specifics.
DSCR Loans
- Qualify based on property cash flow — not personal income
- No tax returns required
- Bank statements accepted for self-employed borrowers
- Eligible property types: SFR, 2–4 unit, multifamily
- Fixed and adjustable rate options available
- Prepayment options available — ask about your scenario
Fix & Flip Loans
- Funds acquisition and renovation costs
- Rehab draws released on a schedule to keep your project moving
- Short-term loan structure
- Interest-only payments during the loan term
- Available for first-time and experienced flippers
- Fast closings available with a complete file
Bridge Loans
- Short-term financing for acquisitions and pre-refinance holds
- Interest-only payment structure available
- Eligible for residential and commercial properties
- Designed to close quickly when timing is critical
- Flexible use: acquisitions, stabilization, and more
- Refinance into permanent financing when ready
Conventional Investment Loans
- Full income documentation required
- Eligible property types: SFR, 2–4 unit non-owner-occupied
- Fixed rate options: 15-year and 30-year
- Strong credit profile required
- Reserves required post-close
- Ideal for long-term buy-and-hold investors
For Self-Employed Borrowers
Your tax return
doesn't tell the
whole story.
If you're a barber, beautician, mechanic, contractor, or any self-employed business owner — your tax returns may show less income than you actually earn. That's by design. But it shouldn't disqualify you from building wealth through real estate.
With a DSCR loan and bank statements, we can often qualify you based on actual cash flow — not what the IRS sees. The property's income does the heavy lifting. You just need to show us the deal makes sense.
Barbers & Stylists
Cash-heavy businesses with strong real deposits
Mechanics & Trades
Self-employed contractors with consistent revenue
Restaurant Owners
High-volume operators with documented bank activity
Salon & Spa Owners
Service businesses with steady monthly cash flow
Ready to discuss your deal?
Dante' T. Banks · NMLS #2768646 · Serving PA, NJ & DE