DSCR Loans
Qualify based on rental cash flow with streamlined documentation and competitive leverage for stabilized properties.
Fast, investor-ready financing
DSCR & Private Lending That Moves at the Speed of Your Deals
RichREI specializes in fast, flexible capital for rental properties, acquisitions, and refinances. Expect investor-focused underwriting, fewer hurdles, and smoother closings.
21-28 Days
Average close window for DSCR loans.
Up to 80% LTV
Flexible leverage options.
7-14 Days
Average close window for bridge and fix & flips.
Trusted capital
No tax returns required
DSCR-driven underwriting
Response time
Same-day term sheet
Loan Programs
Financing built for investors who move fast
RichREI delivers clear, investor-first lending options with predictable terms, responsive underwriting, and a streamlined path to closing.
Purchase & Refinance
Single Assets or Portfolios
Private Lending
Short-term capital for acquisitions, bridge scenarios, or value-add plays—customized to your timeline.
Fast Closings
Efficient underwriting and clear conditions so you can lock in opportunities without delay.
Flexible Terms
Rates, terms, and exit strategies aligned to stabilize, hold, or refinance on your schedule.
Investor-Focused Underwriting
Credible, straightforward approvals built on asset performance, not W-2 income.
Purchase or Refinance
Solutions for acquisitions, cash-out refinances, or portfolio transitions with consistent guidance.
Need a tailored quote for your next deal?
Share your scenario and get a clear path to approval.
Connect with RichREI
Get financing tailored to your next real estate Investment deal.
Whether you are structuring a DSCR loan or exploring private lending, our team delivers clear answers fast. Share a few details and we will respond with options designed for investors, brokers, and serious borrowers.
Quick Reviews
Submit a deal summary and receive next-step guidance within 24 hours.
Investor-friendly terms
Flexible structures built for acquisitions, refinances, and portfolio growth.
FAQs
Answers investors need to move fast
Clear, lender-backed guidance on DSCR and private lending so you can submit, underwrite, and close with confidence.
Have a scenario outside the box?
Share the deal and get a same-day fit check from our lending team.
Lending availability varies by state. Not available in NV, MT, ND, SD, or VT.
What is a DSCR loan? +
A Debt Service Coverage Ratio loan qualifies the property by its rental cash flow, not your personal income. It’s ideal for investors who want speed and flexibility on income documentation.
Are income documents required? +
DSCR loans typically do not require W-2s or tax returns. We focus on property cash flow, credit, and liquidity, keeping the process streamlined.
How fast can RichREI close? +
We regularly close DSCR loans in 21–30 days and private lending in as little as 7–14 days, depending on documentation and title readiness.
What property types qualify? +
We finance 1–4 unit rentals, condos, townhomes, and select small multi-family. Short-term rentals and mixed-use may qualify on a case-by-case basis.
Can brokers submit deals? +
Yes. We welcome broker submissions and provide clear guidelines, fast feedback, and dedicated pipeline support to keep your deals moving.
Are loans available in every state? +
No. Lending is not available in NV, MT, ND, SD, or VT.
When is private lending the right fit? +
Private lending is best for time-sensitive acquisitions, bridge scenarios, or value-add projects where speed and flexibility outweigh bank financing.