Get Expert Investment Financing
- Matched with investor-friendly lenders
- Fast pre-approvals-no W2s required
- Financing options fro rentals, BRRRR, STRs
- Scale your portfolio with confidence
Traditional financing can be tough—even if you own cash-flowing rentals or have significant assets. Between tax write-offs, self-employment, and complex portfolios, many real estate investors struggle to qualify under standard loan guidelines.
Enter asset-based lending: a financing strategy that focuses on the value of the property or personal assets, not your income, W-2s, or debt-to-income ratio.
Whether you’re building a portfolio, refinancing, or buying your next short-term rental, asset-based loans offer real estate investors speed, flexibility, and scalability.
Let’s break down how it works—and how to use it to your advantage.
Asset-based lending allows investors to qualify for real estate financing based primarily on the value and income of an asset—not their personal income or tax documents.
Depending on the loan type, the “asset” could be:
The goal is simple: focus on what you own or earn through investments—not what you report on your taxes.
You don’t need W-2s, tax returns, or a DTI ratio that fits Fannie/Freddie guidelines. Many investors write off expenses, making their taxable income appear lower than it really is.
Traditional lenders often won’t lend to LLCs—but asset-based lenders specialize in financing properties held by LLCs, LPs, and corporations.
Less paperwork means faster underwriting. DSCR and hard money loans can often close in 10–21 days.
You’re not limited to 10 financed properties or capped by personal income. These loans let you scale without bottlenecks.
Choose from interest-only, 30-year fixed, ARM, or balloon terms depending on your strategy.
Investor Profile: Jamal owns 6 rentals in an LLC, generating $11,000/month gross rent. On paper, his AGI is only $40K/year due to aggressive write-offs.
He wants to refinance two properties and pull out equity.
He’s approved based on assets and rental performance—not his tax return—and pulls out $100K in equity to fund another deal.
Feature | DSCR Loan | Other Asset-Based Loans |
Based on | Property cash flow | Bank statements, liquid assets, etc. |
Property Type | Investment properties only | Investment or primary (varies) |
Income Required | None (just rental income) | Based on assets or deposits |
Ideal Use Case | Rental financing/refinance | Self-employed or retired investors |
Ownership Allowed | LLC, LP, Corporation, Individual | LLC or individual (varies) |
Asset-based lending removes the income verification roadblocks that stop many investors from growing their portfolios.
Instead of relying on traditional underwriting, these loans let you leverage:
If you’re a real estate investor looking for speed, flexibility, and scale—asset-based lending might be your next strategic move.
Our advise is based on experience in the mortgage industry and we are dedicated to helping you achieve your goal of owning a home. We may receive compensation from partner banks when you view mortgage rates listed on our website.