Disciplined lending, built to hold up.
DSCR, bridge, fix-and-flip, ground-up construction, portfolio, and small-balance multifamily financing for non-owner-occupied investment properties.
- Business-Purpose Financing
- Non-Owner-Occupied Property
- Principal-Level Review
Loan programs
Five programs. One relationship.
Acquisition and renovation financing for experienced real estate investors with a defined scope of work and exit strategy.
- Up to 90% LTC for qualified sponsors
- Up to 100% of the approved rehab budget
- Draws fund in 2–3 business days after an approved inspection
Thirty-year financing for stabilized, non-owner-occupied rental properties, qualified primarily on property cash flow rather than personal income.
- Available for 1–4 unit rental properties
- No personal income verification
- Clean files can close in as little as two weeks
Cross-collateralized DSCR financing for experienced investors acquiring, refinancing, or accessing equity across multiple stabilized rental properties.
- Finance up to 25 properties in one loan
- Aggregate loan amounts up to $6.25 million
- Partial releases available at 120% of the allocated loan amount
Construction financing for experienced builders and real estate investors with permitted projects and a defined exit strategy.
- Up to 75% LTC
- Up to 100% of approved construction costs
- DSCR takeout available after stabilization
Thirty-year DSCR financing for stabilized small-balance multifamily and qualifying mixed-use investment properties.
- 5–9 unit residential properties
- 2–8 unit mixed-use properties with up to 49% commercial space
- Minimum DSCR starts at 1.00x
Investment Property Financing Built Around the Deal
We finance the operators building America's rental housing stock with terms that hold up, underwriting that surfaces issues early, and commitments designed to close.
Steel Root evaluates the property, borrower experience, financing structure, and exit before issuing terms. That upfront underwriting gives investors and brokers clearer expectations and fewer surprises near closing.
The Steel Root standard
Three operating principles.
Disciplined underwriting
Each scenario is evaluated on property cash flow, structure, and durability, with principal-level judgment applied before a commitment is made.
Certainty of execution
Accurate terms and direct communication help brokers and borrowers move confidently from initial scenario through closing.
The long view
We focus on financing rental housing operators whose portfolios are built to perform across market cycles.
Track Record
Recently Funded Deals
“The best lender is one who can be counted on.”
Direct Access to the Person Underwriting the Deal
Jesse Sells reviews every scenario and signs every commitment. Investors and brokers receive direct answers on fit, structure, and material conditions before the file gets deep into the process.
Who we serve
Built for the operators behind the deal.
Mortgage brokers
Your reputation depends on clear terms and reliable execution. Steel Root provides direct underwriting feedback, transparent conditions, and consistent communication from initial scenario through closing.
Submit a Client ScenarioReal estate investors
Finance the purchase, refinance, renovation, or construction of non-owner-occupied investment property. Steel Root structures the loan around the property, your experience, and the exit, not personal income alone.
Submit an Investment Property DealUnits financed
Standard close
Loan programs
The process
How It Works
Submit the Deal
Provide the property, financing request, borrower experience, and exit.
Principal Review
Steel Root evaluates fit, leverage, conditions, and material risks.
Receive Clear Next Steps
Qualified scenarios move into terms, documentation, and underwriting.
Every deal reviewed by the person who signs the commitment.
Send a scenario through and it reaches the principal, not a queue.