Loans Built for Real Estate Investors
Access competitive rates and flexible terms across major investor-focused lenders — DSCR, fix & flip, construction, and more
Rental Property DSCR Loans
Renovation & Rehab Financing
Blanket Portfolio Loans
Lending Options in 40+ States
Where We Operate
Hover or tap a state to see available loan options.
Licensing and program availability subject to change. Contact BoniFi Capital for the latest options in your state.
How It Works
We review pricing, guidelines, and programs across our lender network to find the financing that actually fits your deal — often saving investors thousands in rate and fees compared to retail lenders.
Application
Review credits, assets, and property estimated cash flow. Complete online application, no employment or income needed.
Loan Underwriting
Submit business purpose declaration, ID, bank statements, and LLC docs. We order appraisal, title, and insurance.
Clear to Close
Once underwriting clears all conditions, we schedule closing and get you funded — typically 15-30 days from start to finish.
Frequently Asked
What is a DSCR loan?
A DSCR loan is a type of mortgage that qualifies borrowers based on the income (or estimated income) generated by the investment property (e.g., rental income) rather than the borrower’s personal income. The key metric is the Debt Service Coverage Ratio (DSCR).
How is DSCR calculated?
It’s calculated by dividing the property’s total rental income by the total mortgage payment. If the DSCR ratio is 1 or higher, the pricing is very good. If it falls below 1, you can still do the loan, but it often requires a hit in pricing or a larger down payment.
What if the property doesn't cash flow right now?
We have loan options even for non cash-flowing properties. These are called no-ratio DSCR loans. They usually require a larger down payment and good credit.
What types of properties qualify?
DSCR loans can be used for investment properties like single-family homes, multi-family units, condos, townhomes, or even short-term rental properties like vacation homes (Airbnbs).
Can i use a non-DSCR investor loan?
Yes. DSCR allows for a simple process for real estate investors requiring no income or employment check. It is based on credit, assets and the properties cash flow. If you would like to look at doing a full documentation process instead of DSCR, let us know and we can review your conventional options in licensed states.
Are DSCR rates good?
DSCR rates can be right in line with conventional investment property financing depending on the property. We have certain programs that are below conventional loan pricing right now. In order to get best pricing on a DSCR loan, it does require a prepayment penalty.
Does every DSCR have a Prepayment Penalty?
No, not every DSCR needs to have a prepayment penalty but it will affect the pricing of the deal. You can take anything from 0 prepayment penalty to a 5 year prepayment penalty. The penalty is usually 5% of the amount that you payoff early. Investors that plan on holding the home for a while and not refinancing often take a 3-5 year prepayment penalty to maximize cashflow.
How long does the process take?
We do same day processing and UW turn times on most loans. We have closed as quickly as 7 business days, and generally close within 10-14 business days. The quicker that you can provide documentation, the quicker we can close.
Contact us Today!
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©2026 BoniFi Capital LLC. NMLS 2664654.
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This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
BoniFi Capital is a mortgage brokerage. All loans arranged through third-party lenders. Rates and terms subject to change.
Not all programs available in all states.
Currently serving PA, FL, and DSCR investors nationwide in 40+ states.
Matthew 22:37-39
