We specialize in helping Entrepreneurs, Co-Living/PadSplit, and Short Term Rental real estate investors secure long term 30yr mortgages, whether thats purchase or refi's...using Conventional, DSCR, Bank Statement, or P&L loans.

Loans that close in an LLC have low probability of reporting, most of our loans do not report but in some cases where we use a lender that may report, we will notify you.

Estimated closing costs include: 12 months of insurance prepaid, 3 months of insurance in escrow, 6 months of property taxes in escrow (estimated), Title fees, processing fee ($1,295), Lender Underwriting fee ($1,300-$2,000), Origination fees (minimum $2500 or 1% of the loan amount if under $250k loan amount)

Max seller concessions on a primary or 10% down 2nd home loan is 6% of purchase price. DSCR/NonQM-type loans is 2-3%. Conventional investment loans drops to 2%.

Yes, as of Feb 18, 2026 we're currently able to lend 25% downpayment on PadSplit purchases, 65%LTV on cash out refinances and 75% on rate and term refinances occupied/converted. We can close in an LLC. If property is not yet a PadSplit, we can lend 75%LTV cash out and 80%LTV rate and term or 80%LTV for purchase. Please check in with me to verify.

Sadly, no. I get this question a lot. Although the PadSplit/Co-Living 1-4 unit property makes a lot of cash flow, it doesn't directly correlate to a higher appraisal value.

This is purely for the DSCR loan product. Simply means that the income of a PadSplit when operating with 3 months stabilized history can help us qualify against the PITI to buy or refinance the property without needing tax returns, W2s, paystubs, etc.

Prequalifying for a DSCR loan is simple, I ask for liquid funds available for cash to close (brokerage accounts, checkings, savings, retirement, etc.), estimated credit score, state you're looking to invest in, and investor experience. Note you do not need investor experience to qualify, but it could impact the terms depending on the lender we use and the property you're looking to fund.

It's best if you already have an understanding of your acquisition and cashflow strategy. Financing is just one tool in your tool belt as an investor and we do make acquisition and cash flow possible! I like to say our job is to get you money, your job is to make sure you make money!

Top reasons why Co-Living financing is challenging:
- Appraisers often struggle with 7-10+ bedrooms

- Properties with no “living room” are hard to comp or get a lower value

- Lenders see rent-by-the-room as a boarding house

- DSCR lenders don’t count all of the co-living income

- Valuation is based on sales comps, not NOI/cap rate

How are we different? We've closed on over 200 loans specifically for Co-Living/PadSplit investors by partnering with the right lenders -- even though we've had to switch lenders 8 times in the last 2yrs