Rich Investor Capital

Loan Programs

Financing for every stage of the deal.

From buy-and-hold rentals to quick flips and ground-up growth — choose the program that fits, or call and we'll help you decide.

DSCR Loans

DSCR (Debt Service Coverage Ratio) loans let you qualify on a property's rental income instead of your personal income or tax returns. If the rent covers the debt, you can qualify — which is why investors use DSCR to scale past the limits of conventional financing.

Best for: Buy-and-hold investors building a rental portfolio.

  • Qualify on property cash flow, not personal DTI
  • Purchase, rate-and-term, or cash-out refinance
  • Commonly up to ~85% LTV depending on DSCR and credit
  • Close in an LLC or your personal name
  • Long-term fixed and ARM options

Bridge Loans

Short-term financing that lets you move quickly — secure a property now and refinance or sell later. Bridge loans are built for speed when timing decides the deal.

Best for: Time-sensitive acquisitions and value-add plays.

  • Fast closings to win competitive deals
  • Financing against purchase price (and rehab where applicable)
  • Interest-only during the short term
  • A clear exit into a DSCR refinance or sale

Fix & Flip Loans

Capital to buy, renovate, and exit. Fix & flip loans fund a portion of the purchase plus a renovation budget, released through a straightforward draw schedule as the work gets done.

Best for: Flippers and value-add investors on a timeline.

  • Purchase plus rehab budget in one loan
  • Draws released as renovation milestones complete
  • Leverage based on experience and deal strength
  • Speed to compete with cash buyers

Portfolio Loans

Finance or refinance multiple rentals under a single loan. Portfolio loans simplify reporting and payments while freeing up capital for your next acquisitions.

Best for: Landlords with multiple doors who want to streamline and scale.

  • Roll 5+ properties into one facility
  • One payment, simplified reporting
  • Cash-out to fund growth
  • Flexible terms for scaling operators

Cash-Out Refinance

Pull equity out of a property you already own — often after a rehab has raised its value — and put that capital to work on your next deal.

Best for: Investors recycling equity into new deals.

  • Access built-up equity without selling
  • Often paired with the BRRRR strategy
  • Qualify on rental income (DSCR) where applicable
  • Recycle proceeds into your next acquisition

Mortgage Protection

Mortgage protection pays off your mortgage balance if the borrower passes away — so your family keeps the property free and clear rather than inheriting the debt. It's peace of mind layered on top of your financing.

Best for: Any borrower who wants to shield their family from the debt.

  • Pays off the mortgage on the borrower's death
  • Protects your family and your investment
  • Coverage tailored to your loan balance
  • Simple to add alongside your financing

Reverse Mortgages

A reverse mortgage lets homeowners aged 62 and older convert built-up home equity into cash — as a lump sum, monthly payments, or a line of credit — with no required monthly mortgage payment. The balance is repaid when the home is sold or the owner moves out. For investors, it's a way to free up equity in a primary residence to redeploy or to strengthen cash flow in retirement.

Best for: Homeowners 62+ who want to tap equity without a monthly payment.

  • For homeowners aged 62 and older
  • No required monthly mortgage payment
  • Take equity as a lump sum, monthly draw, or line of credit
  • Stay in your home — repaid when you sell or move out
  • FHA-insured HECM options available

Business Credit

Business credit lets you fund deals, renovations, and operations through your business rather than your personal balance sheet. We help investors establish and grow business credit lines and accounts — keeping personal and business finances separate, protecting personal credit, and building flexible capital you can draw on deal after deal.

Best for: Investors who want flexible capital and separation from personal credit.

  • Fund deals without tapping personal capital
  • Keep personal and business credit separate
  • Revolving lines you can reuse as you scale
  • Build a business credit profile over time
  • Pairs well with a growing rental portfolio

Rates, leverage, and terms vary by program, credit, experience, and deal. Figures shown are illustrative and not a commitment to lend. Get a personalized quote on a call.

Ready to move on your next deal?

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