Expand Your Portfolio Without Personal Income

Industry-Leading Fix and Flip Loan Program

No tax returns, no DTI calculations – just faster closings and greater opportunities.

What type of loan are you looking for? *If you aren't sure... that's okay! Select DSCR 1st and we will provide some options when we send you a quote / term sheet. NOTE: 💰🏠 We finance 1-4 unit (per tax parcel) residential properties in major cities.

Select the option that best describes you below: *

What kind of property are you financing? *We finance 1-4 units per tax parcel. Be sure to request a quote for each tax parcel.

What is the full street address including city and state? *

Property address or nearby address - so we can check the area

When do you need to close escrow? *

Within 30 days

31-60 days

61-90 days

90+ days

If this is a purchase or there is a maturity date, what day?

If this is a purchase, what is the purchase price?

$

An estimate is fine

If this is a refinance, what is the loan payoff on the title report?

$

An estimate is fine

Is the property vacant or tenant occupied?

What is the condition of the property?

What is the current appraisal value, AS IS? *

You can search Zillow for similiar sold properties within 1 mile in the last 1 year.

What is your exit strategy? *

Sell

Refinance

Hold

For Rentals, what are the long term market rents?

You can check Rent-O-Meter.com or Zillow

For Rentals, how many leases will you supply?

For Short Term Rentals, do you have a 12 month ledger and what are the annual rents?

Income for last 12 months

For Flips or New Construction: What is the BUDGET/SOW?

For Flips and New Construction: What is the AFTER REPAIR VALUE?

What is the requested loan amount? *

How much do you want us to finance?

What is the annual insurance premium? *

An estimate is fine

For New Constructions, do you have a survey?

Stamped plans?

Permits are ready to be pulled?

Do you have an LLC, LP or Corporation? *

Yes

No

I need one

New companies are welcome

What is the name of your LLC or company? *

How many partners are involved in this deal?

What are the credit scores for the partners?

You can pull from CreditKarma.com if needed

What is the name of the person with the best credit score? *

Do you or any partners live within 100 miles of the property? *

Yes

No

How many rentals do the partners currently own? *

Must have 20% ownership or more.

Does someone on the deal have a 12 month mortgage history or residential property owned free and clear inside the last 3 years?

Yes

No - We have not owned any residential property at all in the last 3 years.

Do any of the partners have a mortgage late in the last 12 months, bankruptcy or foreclosure in the last 3 years? *

Yes

No

What is the total value of liquid assets held by the partners? *

Cash plus 50% of retirement accounts - that you can verify or deposit to escrow

Do you already have a quote?

No

Yes

If yes, what's the rate and points?

Do you need a Proof of Funds Letter for your offer?

Yes

No

For Purchase Money

What is the name of your Friend or Affiliate?

Who do you know at our firm or who referred you?

Your Full Name *

Your Email *

Your Phone *

We will email you the term sheet and call to follow up on receipt. I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from company. Message frequency varies. Message & data rates may apply. Text HELP to (XXX) XXX-XXXX for assistance. You can reply STOP to unsubscribe at any time.

With 20+ years of finance experience in numerous types of client transactions, I specialize in Private Money Loans, DSCR, Transactional Lending, Morby Methods and Credit Stacking. Based in Dallas, Texas, I offer creative options and multiple loan types targeting the great state of Texas as my home base.

No matter your level I invite you to apply for a loan and join one of my upcoming webinars designed to help you navigate the real estate market with confidence.

For those interested in DSCR & Private Money Loans combined with other creative topics, I also offer a specialized webinar.

I proudly work with referrals and look forward to helping you achieve your real estate goals.

Frequently Asked Questions

What documents do I need to apply for a mortgage?

You’ll typically need proof of income, bank statements, tax returns, and credit information. Specific requirements may vary by lender.

How much can I borrow for my mortgage?

Your borrowing amount depends on your income, credit score, down payment, and debt-to-income ratio. A pre-approval can give you a clearer estimate.

What’s the difference between a fixed-rate and adjustable-rate mortgage?

A fixed-rate mortgage has a steady interest rate throughout the term, while an adjustable-rate mortgage (ARM) has a rate that may fluctuate after an initial fixed period.

How long does the mortgage approval process take?

The timeline can vary but generally takes 30-45 days, depending on factors like document verification, appraisals, and lender-specific processes.

Testimonials

Marcie has a great mind for business. She always maintains a strategic viewpoint while keeping in sight all the tactical items she much accomplish to reach the goal for the client. she is focused and goal-oriented. While her work volume is huge, her work quality is exceptional.

— Ron B.

I would highly recommend Marcie for anything from business to personal. Marcie is a very loyal person whom operates under the highest level of integrity. Marcie is definitely a person I am happy to have working with me in business and I'm glad our business relationship continues to build.