Buy first, sell later with a bridge loan.
Pac Prime Mortgage closes DSCR and investor bridge loans in five days, no appraisal required, for residential and commercial properties.
Can you qualify on the property, not your paycheck?
DSCR and no-ratio loans let real estate investors qualify on rental income and equity, not W-2 wages. Here's how each one works.
DSCR loans
Qualify using the property's rental income against the proposed mortgage payment. No W-2 or personal income calculation required.
Lower-DSCR options
Financing may still be available when rental income falls below standard DSCR requirements. Program details vary by scenario.
No-ratio programs
Skip the minimum ratio entirely. Approval leans on credit, equity, reserves, and property type instead of a DSCR number.
Purchase and refinance
Use eligible programs for purchases, rate-and-term refinances, and cash-out refinances on qualifying rental properties.
LLC vesting
Hold the property in an LLC under certain programs. Expect extra documentation and a personal guarantee.
Investor flexibility
Options for new and experienced investors, with long-term and short-term rental possibilities on the table.
Loans from $250,000 to $2 million
Bridge financing works for owner-occupied homes, investment properties, and LLC vesting, as long as the funds serve a business purpose. Call (415) 672-7176 for a quick scenario review.
Let's review your investor loan scenario
Get a personalized quote for your rental or commercial property. Call Pac Prime Mortgage at 415-672-7176 for a fast, straightforward review.