A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income your property generates — not your personal income or employment history. Perfect for investors.

Mortgage & Real Estate Financing

Finding the Best

Q: What is asset-based or hard money financing?

Asset-based financing (often called hard money) is a short-term loan where approval is weighted heavily on the property value and exit strategy. It is one option we offer alongside conventional, non-QM, and DSCR programs — not the only path we place borrowers on.

Q: How fast can I get approved?

Most scenarios receive a pre-approval within 24 hours. Funded closings can happen in as little as 7–10 business days depending on the program and property type.

Q: Do I need good credit to qualify?

Not always. Programs like Fix & Flip, DSCR, and Asset-Based loans focus on the property or its income — not your credit history. Some programs start at 600 FICO.

Q: What property types do you finance?

Single-family, multi-family, mixed-use, commercial, fix & flip, new construction, and more. We also finance foreign nationals and ITIN holders.

Q: Are there any upfront fees?

We believe in full transparency. Any fees are disclosed clearly before you commit. No surprise costs at the closing table — ever.

Q: Can self-employed borrowers qualify?

Absolutely. Our Non-QM, Alt Doc, and Bank Statement programs are built specifically for self-employed borrowers who don't show enough income on tax returns.

Q: What is the minimum loan amount?

Loan amounts typically start at $75,000. Commercial and multi-family deals can reach $25M+. We evaluate every scenario individually.

Program for You.

At All Approved Here, we combine expert knowledge with a straightforward approach to make the loan process as easy and transparent as possible. Serving homeowners and real estate investors alike.

Learn More

OverviewActivityManageProgramAccountReports

Good morning

Your latest program activity and metrics are below.

Total Applications

847

Updated in real-time

Capital Deployed

$12.4M

Updated in real-time

In Progress

Updated in real-time

Total Income

All Approved Here is a licensed mortgage broker. NMLS #110253. Equal Housing Lender. All loans are subject to credit approval, underwriting guidelines, and applicable state and federal regulations. Rates and terms are subject to change without notice. This is not a commitment to lend. All Approved Here does not guarantee loan approval.

Years Experience

Loans Funded

Approval Rate

0M+

Dollars Deployed

How It Works

We simplify the mortgage process.

Deep expertise in real estate, investing, and lending. Hassle-free solutions to reach your financial goals — fast.

Submit Your Scenario

Fill out a quick form with your property details and financing goals. No heavy paperwork, no runaround.

Fast Pre-Approval

Our team reviews your scenario and matches you with the right program — often within 24 hours.

Flexible Loan Options

Choose from Fix & Flip, DSCR, Bridge, Non-QM, Government, and Commercial programs tailored to you.

Transparent & Simple

No surprises. We walk you through every step — rates, terms, and timelines — before you sign anything.

Loan Programs

Financing for Every Strategy

From fix-and-flip to long-term rentals, we have the right loan product for your investment strategy.

Fix & Flip

Short-term bridge financing for investors buying, renovating, and selling residential properties.

Rate

10–13%

Term

6–18 mo

LTV

Up to 90%

Up to 90% LTC
No income verification
Close in 5–10 days
Interest-only payments

Apply for this loan →

INVESTOR FAVORITE

DSCR Loans

Debt Service Coverage Ratio loans qualify based on property cash flow, not personal income.

Rate

7–10%

Term

30 yr

LTV

Up to 80%

No tax returns needed
1.0+ DSCR required
Short & long-term rentals
LLC & entity borrowing

Apply for this loan →

FLEXIBLE

Non-QM

Alternative documentation loans for self-employed, foreign nationals, and non-traditional borrowers.

Rate

8–12%

Term

30 yr

LTV

Up to 85%

Bank statement programs
ITIN accepted
Foreign national loans
Recent credit events OK

Apply for this loan →

LOW RATES

SBA Loans

SBA 7(a) and 504 loans for business owners purchasing commercial real estate or equipment.

Rate

6–9%

Term

10–25 yr

LTV

Up to 90%

SBA 7(a) & 504
Owner-occupied CRE
Equipment financing
Long amortization

Apply for this loan →

FAST CLOSE

Commercial Bridge

Short-term commercial bridge loans for value-add acquisitions, repositioning, and stabilization.

Rate

9–13%

Term

12–36 mo

LTV

Up to 75%

Multifamily & mixed-use
Retail & office
Construction completion
Stabilization bridge

Apply for this loan →

FIRST-TIME BUYERS

Down Payment Assistance

Down payment and closing cost assistance programs for first-time homebuyers and low-to-moderate income borrowers.

Rate

FHA/Conv

Term

30 yr

LTV

Up to 100%

0–3.5% down options
Grant & silent 2nd programs
FHA & conventional
Income limit programs

Apply for this loan →

We partner with the nation's leading lenders and platforms

FHA ApprovedVA PartnerFannie MaeFreddie MacSBA LenderHUD CertifiedFHA ApprovedVA PartnerFannie MaeFreddie MacSBA LenderHUD Certified

DSCR DirectSnowflake CapitalFlash FundingLuminous REBridge CapitalInvert FinanceDSCR DirectSnowflake CapitalFlash FundingLuminous REBridge CapitalInvert Finance

Our lenders include leading wholesale, private, and institutional capital — so we can match conventional, non-QM, and investor programs to your scenario.

5.0 (600+ Google Reviews)

"The fastest pre-approval I've experienced — closed my fix-and-flip in 9 days."

Most loan scenarios are evaluated on the asset and its potential — not mountains of paperwork or tax returns.

Real-Time Results

Monitor your funding from application to close.

Stay on top of your loan status in real time. Track milestones, documents, and disbursements without endless phone calls or unanswered emails.

Get Pre-Approved

Loan Status

$278,000

+3.5% ?

Analytics

IncomeExpenses

$600K this year$430K last year

Manage Your Portfolio

Review and grow your real estate income.

Securely manage multiple loan scenarios in one place. Compare programs, rates, and projected returns for smarter investing at every stage.

Explore Programs

Payment Estimator

Loan calculator

Model monthly payment, total interest, and loan principal before you apply — same tool as our dedicated calculator page.

Inputs

Purchase Price

$350,000

Interest Rate (%)

8.25%

Loan Term (years)

30 years

Down Payment (%)

20%

Estimated Results

Loan Principal

$280,000

Estimated Monthly

$2,104

Total Interest

$477,277

Total Paid

$757,277

This calculator provides an estimate only. Actual terms vary by program, property, and borrower profile.

Continue to Application

Our Rates

Simple, transparent loan rates.

No hidden fees. No bait-and-switch quotes. Know exactly what you're paying before you commit to anything.

Posted starting rates on our monthly rate sheet — illustrative only; your offer may differ based on qualifications.

Fix & Flip

0% Starting Rate

Est. payment on $400k (30 yr, illustrative): $3,434/mo

Short-term asset-based loans for investors buying to renovate and resell. No income docs required.

Get Started

What's Included

No income verification
Close in as little as 7 days
Up to 90% LTV
6–18 month terms
Interest-only options available

DSCR / RentalPopular

0% Starting Rate

Est. payment on $400k (30 yr, illustrative): $3,002/mo

Qualify using your property's rental income. Perfect for short and long-term rental investors.

Get Pre-Approved

What's Included

No personal income check
Short & long-term rentals
Cash-out refinance available
30-year fixed options
Portfolio up to 10 properties

Commercial

0% Starting Rate

Est. payment on $400k (30 yr, illustrative): $2,863/mo

SBA, bridge, construction, and mixed-use financing for business owners and developers.

Get Started

What's Included

SBA 7(a) & 504 eligible
Multi-family & mixed-use
Bridge to permanent options
Construction loans available
Loan amounts up to $25M

Testimonials

It's not enough - you need to prove it too.

Real borrowers. Real results.

5.0 ratings

All Approved Here got my fix-and-flip funded in 9 days. Nobody comes close to this speed. They found a program that fit my scenario when three other lenders passed.

Marcus T.

Real Estate Investor, Phoenix AZ

5.0 ratings

As a self-employed borrower I thought I'd never qualify. The Alt Doc program was a game changer — bank statements only, great rate, and closed in under 30 days.

Priya M.

Business Owner & Homebuyer

5.0 ratings

The DSCR loan process was completely painless. Ran the DSCR math with me live on the call and had me pre-approved the same day. Best lending experience in 12 years.

Derek L.

Portfolio Landlord, Scottsdale AZ

5.0 ratings

Used All Approved Here for a bridge loan while waiting on a sale to close. Super transparent — no last-minute surprises. Will 100% be back for my next deal.

Sofia R.

Multifamily Investor

5.0 ratings

Got down payment assistance through their DPA program I didn't know existed. They held my hand through the whole thing. First home is officially mine.

James K.

First-Time Homebuyer

5.0 ratings

Foreign national buyer here — most lenders wouldn't even take my call. All Approved Here had a program and closed in 3 weeks. Professional, knowledgeable, genuinely caring.

Nikolai V.

International Real Estate Buyer

5.0 ratings

All Approved Here got my fix-and-flip funded in 9 days. Nobody comes close to this speed. They found a program that fit my scenario when three other lenders passed.

Marcus T.

Real Estate Investor, Phoenix AZ

5.0 ratings

As a self-employed borrower I thought I'd never qualify. The Alt Doc program was a game changer — bank statements only, great rate, and closed in under 30 days.

Priya M.

Business Owner & Homebuyer

5.0 ratings

The DSCR loan process was completely painless. Ran the DSCR math with me live on the call and had me pre-approved the same day. Best lending experience in 12 years.

Derek L.

Portfolio Landlord, Scottsdale AZ

5.0 ratings

Used All Approved Here for a bridge loan while waiting on a sale to close. Super transparent — no last-minute surprises. Will 100% be back for my next deal.

Sofia R.

Multifamily Investor

5.0 ratings

Got down payment assistance through their DPA program I didn't know existed. They held my hand through the whole thing. First home is officially mine.

James K.

First-Time Homebuyer

5.0 ratings

Foreign national buyer here — most lenders wouldn't even take my call. All Approved Here had a program and closed in 3 weeks. Professional, knowledgeable, genuinely caring.

Nikolai V.

International Real Estate Buyer

8 answers below

FAQS

Have questions?
we're here to help

What is asset-based or hard money financing?

How fast can I get approved?

Do I need good credit to qualify?

What is a DSCR loan?

What property types do you finance?

Are there any upfront fees?

Can self-employed borrowers qualify?

What is the minimum loan amount?

Finding the Best

Program for You.

We simplify the mortgage process.

Submit Your Scenario

Fast Pre-Approval

Flexible Loan Options

Transparent & Simple

Fix & Flip

DSCR Loans

Non-QM

SBA Loans

Commercial Bridge

Down Payment Assistance

Monitor your funding from application to close.

Review and grow your real estate income.

Loan calculator

Inputs

Estimated Results

Simple, transparent loan rates.

It's not enough - you need to prove it too.

Have questions?we're here to help

Have questions?
we're here to help