You're earning 2X+ market rent with shared housing. You deserve a lender who gets the model — not one who treats you like a risk.
See if your co-living investment qualifies. No credit pull.
We'll review your info and reach out within 24 hours to discuss your financing options.
You've found a strategy that generates 2X+ returns. But when you try to get financing, you hit walls.
Traditional lenders see room-by-room income as "non-standard" and won't touch it — even when your cash flow is 2X a regular rental.
They want a single lease with a single tenant. Explaining shared housing models wastes weeks — and often still ends in denial.
Your property generates more income, but lenders treat it as higher risk. You're penalized for running a smarter strategy.
Finally — financing designed for investors who maximize returns through shared housing.
We understand the co-living model. Your rental income is evaluated based on actual room revenue — the way it should be.
No tax returns. No W2s. No employer verification. You qualify based on what the property earns — not your personal income.
LLCs, multiple properties, portfolio growth. We're not a consumer lender trying to fit you into a box. We're built for your strategy.
From application to closing in weeks, not months.
Fill out the form above. Takes 60 seconds. No credit pull.
A real human reviews your deal and calls within 24 hours to discuss options.
We order appraisal and verify income. You provide minimal docs — no tax returns.
Sign docs, get funded, start earning. Typical timeline: 3-4 weeks.
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income, not your personal income. If the property cash flows, you qualify — no W2s, tax returns, or employment verification needed.
Yes. Unlike most lenders, we understand the co-living model. We evaluate your deal based on actual room revenue, not a hypothetical single-tenant lease.
Typically 1.0 or higher, meaning the property's rental income covers the mortgage payment. Co-living properties often have DSCRs of 1.5-2.0+ due to higher cash flow.
Absolutely. Most of our borrowers close in LLCs. We're built for investors, not homeowners.
Typically 660+, though we can work with scores as low as 620 depending on other factors like DSCR and down payment.
Typically 20-25% for purchases. For refinances, we can often go up to 75-80% LTV.
Stop explaining your strategy to lenders who don't get it. Work with someone who does.
Get Pre-Qualified Now →