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Residential Investment Loans

DSCR

DSCR loans are used to purchase and refinance non-owner-occupied investment property. No personal income is required with these loans and underwriting is based on property value, rental income, and borrower credit scoring.

LTV: Up to 85%

Submit DSCR Loan
  • Loan Amounts: $75,000-$3,000,000

  • Term: 5/1 ARM, 30-Year Fixed

  • Prepayment Penalty: 0-5 years

  • Credit Score Minimum: 620

  • Condotels allowed

  • Short-term rentals allowed

  • 1-8 units are eligible

Fix and Flip

Fix and flips loans are used for rehab, cosmetic work new construction to increase property value. New and experienced investors are welcome and eligible to apply. Very flexible terms and loan structures available.

LTC: Up to 90%

Submit Rehab Loan
  • Loan Amounts: $50,000-$2,000,000

  • Term: 6-24 months

  • No prepayment penalty

  • New borrowers welcome

  • No experience required

  • Deferred payment options

  • No hard pull required


Bridge

Bridge loans are available to all investors with more flexibility for borrowers with lower credit scores or borrowers looking for a quick turnaround to close on a purchase or refinance without verifying income. Asset-based underwriting.

Up to 75%

Submit Bridge Loan
  • Loan Amounts: $50,000- $5,000,000

  • Term: 6-24 months

  • No prepayment penalty

  • 3 months reserves required

  • Purchase and refinance

  • No hard pull

  • Eligible for 1-4 units

Previously Funded

Funded: $290,000

Proceeds were used to acquire a fourplex bridge loan in the Chicago area. Interest only with no prepayment penalty. 12-month term 70% LTC.

Funded: $465,000

2-4 unit residential investment in Northern NJ property closed under an LLC. The borrower used proceeds to refinance for cash-out and leveraged 75% LTV.

Funded: $108,750

Permanent residential loan on a single-family tenant-occupied property. 30-year fixed-term loan. The borrower closed a 2nd loan on another property using our funds.

Submit Loan Scenario
  • Peak Choice Capital
  • Residential Loans
  • Commercial Loans
  • About Us
  • Contact
  • FAQ's
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