Real Estate Investor Lending

Investor-First Lending.
Built for the Way You
Actually Invest.

DSCR loans, hard money, new construction, and BRRRR financing for serious real estate investors. Serving investors in 40+ states.

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40+ States Served
$0 Application Fee
Same-Day Pre-Qualification
5 Loan Programs
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Loan Programs

Lending Solutions for Every Strategy

Whether you're building a rental portfolio, flipping distressed properties, or breaking ground on new construction — we have the capital structure to match your play.

DSCR Rental Loans

Qualify based on property cash flow, not your W-2. Perfect for buy-and-hold investors building long-term rental portfolios. LLC-friendly.

30-yr Fixed Min 620 FICO LTV up to 80% No Income Docs
DSCR (Debt Service Coverage Ratio) loans let the property's income do the qualifying — no tax returns, no W-2s, no employment verification. If your rental generates enough cash flow to cover its debt service, you qualify. We work with single-family, multi-family (2-4 units), and short-term rental properties. Entity borrowing through an LLC or LP is fully supported. Minimum DSCR of 0.75 considered on case-by-case basis with strong FICO.

Fix & Flip (Hard Money)

Fast approvals and short-term financing for investors purchasing, renovating, and selling distressed properties.

Up to 90% LTC 12–24 Month Terms Fast Close Draw Schedules
Speed and leverage are everything in the fix-and-flip game. Our hard money program covers up to 90% of total project cost (purchase + rehab), with draws released against completed work. Closings in as little as 5–10 business days. Interest-only payments keep your carrying costs low while you execute the renovation. We evaluate the deal, not just the borrower — experience a plus but not always required for first-time flippers.

New Construction Loans

Ground-up financing for developers and builders with flexible draw schedules aligned to your construction timeline.

Land + Build Draw-Based Funding Custom Terms
From raw land to finished product, our construction loan program covers single-family and small multi-family ground-up projects. Land acquisition plus construction costs can be bundled into one loan. Funds release through a draw schedule tied to construction milestones — inspected and released efficiently so your project doesn't stall. At completion, exit to a DSCR rental loan or conventional financing.

BRRRR Financing

Finance the buy and rehab, then refi into a long-term DSCR loan once stabilized. Maximize leverage through the full cycle.

Buy + Rehab Bridge DSCR Refi on Exit Portfolio Scaling
Buy, Rehab, Rent, Refinance, Repeat — the most powerful portfolio-building strategy in real estate. We finance the acquisition and renovation with a short-term bridge loan, then roll you directly into a 30-year DSCR loan once the property is leased and stabilized. The key: pull out as much equity as possible in the refi, then redeploy into your next acquisition. We've structured hundreds of BRRRR deals and understand exactly how to maximize your cash-out.

Bridge Loans

Short-term capital to bridge the gap between acquisition and long-term financing. Act fast in competitive markets.

6–24 Month Terms Quick Close Flexible Exit Options
When you need to move fast and can't wait for conventional financing, bridge loans give you the capital to act decisively. Common use cases: acquiring before your other property sells, repositioning a vacant commercial or mixed-use property, or stabilizing a value-add before transitioning to permanent financing. Interest-only structure keeps payments low during the bridge period. Multiple exit strategies supported.
DSCR Calculator

See If Your Rental Property Qualifies

Adjust the inputs below for instant results. No signup required.

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Monthly PITIA Total
$1,820
Monthly Rent
$2,500
DSCR Ratio
1.37
Strong cash flow — excellent DSCR loan candidate
Ready to move forward? Get a free quote
Why Bloomstone

We Speak Investor.

We don't just arrange loans — we understand how deals actually work. That changes everything.

You're Talking to an Investor

We don't just arrange loans. We invest ourselves. We understand your deal structure, your timeline, and what actually matters at close. No learning curve, no confusion about what BRRRR means.

Access to 10+ Wholesale Lenders

One application, multiple lenders competing for your deal. We find the best rate and terms for your specific scenario — whether that's lowest rate, highest LTV, or fastest close.

Creative Structures Welcome

Seller financing, entity borrowers, sub-1.0 DSCR, complex deal structures — we work with scenarios most brokers turn away. If there's a deal to be made, we'll find the path to close it.

Get Your Free Quote

Tell Us About Your Deal.

We review every scenario personally and get back to you within 24 hours — often same day. No automated responses, no runaround.

(408) 307-5309 Call or text — we pick up
info@bloomstonecapital.com Email us anytime
What to expect:
Personal review of your scenario — not a bot
Response within 24 hours, often same day
Multiple lender options presented
No obligation, no credit pull to get a quote
$0 application fee

We've Got Your Scenario.

Expect a call or email within 24 hours.

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Call or text (408) 307-5309