Disciplined
lending,
built to hold up.
Long-term and short-term financing on non-owner-occupied investment properties, originated through trusted mortgage broker relationships across 25+ states.
Our Approach
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.
Featured · Fix & Flip / BridgeFix & Flip capital that moves at your pace.
Acquisition and rehab capital for experienced operators. Our 1–2 business day inspection turnaround cuts your carry costs. Industry standard is 5–7 days.
Up to 90% LTC for qualified sponsors
100% of rehab budget covered
1–2 business day draw inspection
Fast close on time-sensitive acquisitions
1–4 unit residential & small portfolios
DSCR · 1–4 Unit
30-year financing for stabilized rentals.
Cash-flow qualified. No personal income verification. Entity lending. Standard 2-week close.
80% LTV purchase & rate-term
75% LTV on cash-out
0.75x minimum DSCR
SFR, condo, 2–4 unit
Program detailsGround-Up Construction
New construction capital for experienced builders.
75% LTC with permits. 100% of construction budget. DSCR takeout available.
75% LTC with permits
100% of construction budget
Quick draw process
DSCR Portfolio & Blanket
Cross-collateralized financing at scale.
Up to 25 properties per loan. Partial release available.
Up to $6.25M aggregate
Up to 25 properties per loan
80% LTV at top tier
DSCR · 1–4 Unit
30-year financing for stabilized rentals.
Cash-flow qualified. No personal income verification. Entity lending. Standard 2-week close.
80% LTV purchase & rate-term
75% LTV on cash-out
0.75x minimum DSCR
SFR, condo, 2–4 unit
Program detailsThe Steel Root Standard
Three operating principles.
I.
Disciplined underwriting
Each scenario is evaluated on property cash flow, structure, and durability, with principal-level judgment applied before a commitment is made.
II.
Certainty of execution
Accurate terms and direct communication help brokers and borrowers move confidently from initial scenario through closing.
III.
The long view
We focus on financing rental housing operators whose portfolios are built to perform across market cycles.
Who We ServeBuilt for the operators behind the deal.
We work with two audiences whose interests are fundamentally aligned: the brokers sourcing serious investor capital, and the operators building rental portfolios at scale.
Mortgage Brokers
Reliable execution your client can count on.
A broker’s reputation is tied entirely to their lender’s performance. We provide clear guidelines, direct communication with the principal, and consistent execution to protect your client relationships.
Upfront underwriting feedback
Rate locks honored as committed
Protected broker compensation
Real Estate Investors
Leverage structured for portfolio scale.
We supply the financing required to scale rental portfolios without the constraints of personal income verification. Our capital supports operators focused on asset aggregation and stabilization. Cash-flow based qualification Entity lending (LLCs, Corporations) DSCR, Fix & Flip, Ground-Up under one roof.
Rental Housing
Capital structured for real assets that serve communities and perform over time.
1–9
Units Financed
2-Wk
Standard Close
5
Loan Programs
25 +
State Footprint
Principal-Led
Every deal reviewed by the person who signs the commitment.
We are not a rate-sheet shop. Every loan that closes survived a principal-level review by someone with direct operating experience across multifamily, manufactured housing, and commercial real estate. That structure is a feature, not a transitional state.
“The best lender is one who can be counted on.”
Get Started
Have a deal?
Let's talk.
Submit a scenario for same-day review, or schedule a conversation with our principal directly
