Qualify on the property · No tax returns · No call center
The smarter way to finance investment properties.
Unlock the true power of your real estate equity — matched to the right loan and competitive terms for your deal, if you value a long-term broker.
Flagship programs
- DSCR
The rent qualifies the loan. No tax returns, no pay stubs, no debt-to-income. Vacant properties use market rent.
- DSCR + Hard Money Hybrid
Equity qualifies instead. No credit score requirement, on a 30-year structure rather than a bridge clock.
- 5-Day HELOC
Tap equity without giving up the mortgage rate you already have. Any property, including your primary.
Check my options
1 / 9
What are you trying to do?
Closest one is fine. We'll sort the details on the call.
No credit pull. No Social Security number. Your information is never sold.
Work directlywith PhilLoan programs
Three programs do the work.
Rented or vacant, credit strong or beside the point, investment property or the house you live in — one of these three usually fits.
Rental income ≥ mortgage payment
Approval runs on the property's income, not yours. We weigh the rent it collects against the payment it would carry — and if it's sitting vacant, we go off market rent from the appraiser's rent schedule. No tax returns, no pay stubs, no debt-to-income.
See if your deal fitsDSCR calculator
Run the only number that decides it.
Rent divided by the payment. We fund down to a 0.75 ratio, so a negative cash flow property is a conversation, not a decline.
Market rates vary as low as 5.99% to 8.99%+*
Vacancy, repairs and property management are real costs, but they are not counted against DSCR. Underwriting weighs rent against principal, interest, taxes, insurance and HOA only.
- Loan amount
- $337,500
- Loan to value
- 75%
- Estimated cash out*
- $47,500
- Principal & interest
- $2,243/mo
- Total PITIA
- $2,844/mo
- Cash flow after payment
- $556/mo
- Max loan at 0.75 DSCR
- $591,657
- Max loan at 1.00 DSCR
- $421,136
- Max loan at 1.25 DSCR
- $318,824
*Estimated figures. They do not include closing costs, prepaids, escrows, or lender fees. See disclaimer.
Takes you to the form with your figures already filled in.
*Rates vary depending on LTV, FICO, property type, prepayment penalty and other factors. Estimated figures do not include closing costs, prepaids, escrows or lender fees. This calculator covers business-purpose investment property loans only; it does not apply to home equity lines of credit.
5.99% example: prices on a rate-and-term transaction at 800 FICO, 60% LTV, a $450,000 loan amount, single-family residence, DSCR 1.50 or better, 5-year fixed with a 5% prepayment penalty, and 3.5% points. Your rate depends on your own file.
Disclaimer: This Proposal is non-binding and is NOT a Loan Estimate as defined by the TILA-RESPA Integrated Disclosure Rule, or a binding estimate or any other state or federal rule or regulation. This Proposal is provided for informational purposes only. It is meant to provide potential borrowers with an estimate of the cash that may be required to close and an estimate of potential monthly mortgage payments. Actual charges may differ from this Proposal.
Proof, not promises
Deals that closed.
Read verified reviews 
$1,087,500 
$703,500 
3 loans funded 
2 multi-family funded 
2 SFR funded concurrently 
$500,000 
$444,000 
$292,500 
$225,000 
$182,000 
$155,000 
$150,500 
$150,000 
$120,000 
$95,000 
$65,000
Straight answers up front
Can we fund your deal?
Better to know now than after a week of back and forth. Here’s the lending box, plainly stated.
- Investment property up to 8 units, condos and short-term rentals — plus HELOCs on any property, including your primary residence
- Qualifying on rent rather than personal income, with no tax returns or pay stubs
- Vacant properties, where we go off market rent from the appraiser's rent schedule
- Title held in any entity, with no cap on the number of properties financed
- Equity-driven files with no credit score and no DSCR minimum, on the hybrid program
- Purchase, rate-and-term, and cash-out
Gray-area scenario? Call (949) 347-5083 — that conversation costs you nothing and takes five minutes.
Reviews
What our clients say about us.
★★★★★
Working with Phil was an amazing experience. From our very first phone call, he took the time to explain everything in a way that was easy to understand… Our refinance process took longer than expected because of delays on our end, but Phil was incredibly patient and consistently checked in with us throughout the entire process. He's someone you can trust, and I couldn't be happier with our experience.
★★★★★
I highly recommend Mr. Phillip Nadaski and his team! Their professionalism, communication, and follow-up are second to none. Every question I had was answered promptly, and I was kept informed throughout every step of the loan process. Everything happened exactly as promised, making the experience smooth and stress free.
★★★★★
Hats off to Phil! He was able to take an extremely difficult loan situation and make an absolute success out of it. From start to finish his level of communication, thoroughness and professionalism led the way. Both my husband and I want to thank Phil for all of his hard work.
★★★★★
Phil was amazing throughout my refinance. Clear communication, honest guidance, and zero stress from start to finish. He explained every step and made the process easy. I'd absolutely recommend him and will use him again in the future.
How it works
Four steps, no mystery.
- 01
Send the scenario
Property, rent, and what you're trying to do. Two minutes, no credit pull, no obligation.
- 02
Get priced across the network
Your file goes to the lenders whose box it actually fits, and you see the trade-offs rather than one bank's only option.
- 03
Underwrite on the property
Appraisal with a rent schedule, title, and a light credit review. No employment verification, no tax returns.
- 04
Close in your entity
Fund, and keep the same broker for the next one — which is the whole point.
Coverage
Where we lend.
Select a state to see what’s available there.
Too small to click on the map
- Lending available
- Not lending
Your broker
Philip Nadaskai
Investment property financing is the whole practice here, not a side product. Every scenario submitted through this site is reviewed personally — no call center, no hand-offs, and no selling your information to four other lenders who then all phone you.
The goal isn’t one closing. It’s being the person you call when the next property comes up, which is exactly why you’ll hear when a deal doesn’t work.
Questions, answered
Before you ask.
No. Nothing on this site pulls your credit, and the calculator and form are both anonymous until you choose to send them. A hard inquiry only happens later, with your permission, once you're moving forward on an actual file.
Debt service coverage ratio — the rent a property collects divided by the payment it would carry, counting principal, interest, taxes, insurance and HOA. At 1.00 the rent exactly covers the payment. Most lenders want to see 1.00 or better, though there are programs that go lower.
No, and this is the single most common misunderstanding. They're real costs and you should absolutely budget for them, but underwriting measures rent against the mortgage payment only. A deal that looks thin on your own spreadsheet often clears underwriting comfortably.
Yes. The appraiser completes a rent schedule estimating market rent for the property, and that figure is what qualifies the loan. You don't need a signed lease in hand.
Yes, and most of our borrowers do. These are business-purpose loans on non-owner-occupied property, so LLC vesting is standard rather than an exception you have to negotiate.
There's no cap. Conventional financing tapers off after a handful of properties; DSCR doesn't work that way, because each loan is underwritten against its own property.
On DSCR, credit affects your pricing and your maximum leverage rather than deciding yes or no outright. On the hybrid program there's no credit score requirement at all — equity does the qualifying. Give a realistic estimate on the form and you'll get a realistic answer.
It goes to Phil, and only to Phil. It isn't sold, and it isn't distributed to a network of lenders who then call you. See the privacy policy for the full statement.
Find out in two minutes.
No credit pull, no obligation, and a straight answer either way — including when the answer is no.