🏘️ DSCR: The 3-Tiered DSCR System with a 92% Close Rate.

Investor Focus

DSCR (Debt Service Coverage Ratio) Loans are the modern financing solution for the serious real estate investor. DSCR Loans allow you to scale your rental holdings quickly and efficiently because the loan approval is based on the cash flow of the property itself, not your personal tax returns.

If you are tired of providing endless personal financial documentation, DSCR loans are your easiest path to aggressive portfolio growth.

📈 Why BCF Commercial Capital Maintains a 92% Close Rate:

Asset-Based Underwriting: We completely eliminate personal debt-to-income (DTI) calculations. If the property's rental revenue covers the mortgage, the deal is alive.
No Red Tape: No tax returns, no IRS form submittals, and no employment verification mean we close faster than institutional banks.
The 60% Rescue Advantage: If another lender gave you a "No" because your file didn't fit their narrow guidelines, our three distinct tiers give us the instant ability to pivot and restructure your loan for a guaranteed close.

Don't let rigid guidelines stall your portfolio growth.

BCF's Exclusive 3-Tiered DSCR Lending System

While traditional lenders look for reasons to say "No," our signature 3-Tiered DSCR Lending System is engineered to find a path to a guaranteed close.

By qualifying transactions based entirely on the actual cash flow of the property, requiring zero personal tax returns or employment verification. We possess the unique flexibility to pivot, restructure, and approve files that other institutions walk away from. In fact, over 60% of our successful loan closings are rescue files dropped by other lenders due to strict credit restrictions, sudden LTV caps, or unique property profiles.

Here is exactly how our three specialized lending tiers are structured to maximize your leverage and protect your capital.

🟢 TIER ONE: The Prime Investor Program

Engineered for premium real estate assets and top-tier borrower profiles looking for maximum leverage, low friction, and competitive market pricing.

Target Profile: High-credit investors securing top-tier residential or commercial cash-flowing assets.
Credit Score Range: 700+ FICO.
Maximum Leverage: Up to 85% LTV (Requires only 15% down).
Eligible Assets: Single-Family Residences (SFR), 2-4 Unit Multi-Family Properties, Condos, and prime Short-Term Rental (Airbnb) assets.
Core Benefit: Maximum capital preservation and fast execution without standard banking red tape.

🟡 TIER TWO: The Standard Investor Program

The workhorse of our platform, built to handle standard investor scenarios that require flexible underwriting to balance mid-range credit or complex portfolio structures.

Target Profile: Growing portfolio builders, entities, or investors scaling their footprint.
Credit Score Range: 660 – 699 FICO.
Maximum Leverage: Up to 75% LTV (Requires 25% down).
Eligible Assets: Residential Rentals (SFR, 2-4 Units), Mixed-Use Properties, and light Commercial spaces (Office, Retail, Warehouse, Self-Storage, Auto).
Core Benefit: Overcomes the rigid guidelines that typically cause traditional brokers to stall or place arbitrary caps on your deal.

🔴 TIER THREE: The Equity-Driven Equity Program

Our specialty asset and credit rescue tier, designed specifically to capture and approve files that have been rejected elsewhere due to strict guideline restrictions.

Target Profile: Equity-rich investors with credit challenges or unconventional, hard-to-place commercial property profiles.
Credit Score Range: 450 – 659 FICO.
Maximum Leverage: 50% to 65% LTV (Requires 35% to 50% down/equity).
Eligible Assets: Residential, Mixed-Use, and Specialized Commercial real estate properties.
Core Benefit: Complete guideline flexibility. We underwrite the asset’s intrinsic value and cash flow, allowing you to salvage your contract and close the deal despite past credit issues.

Product Highlights and Eligible Properties

We provide direct access to specialized fund managers who offer highly competitive DSCR terms nationwide.

Property Types: Single-Family Rentals (SFR), 2-4 Unit Multi-Family, Condos, and Short-Term Rentals (STR/Airbnb properties).
Borrower Focus: Ideal for investors operating under an LLC or corporation.
Loan Terms: Competitive fixed-rate terms with interest-only payment options available to maximize cash flow during the hold period.
Foreign National Options: Capital options available for international investors seeking to acquire U.S. investment property.