Real estate financing built for investors.
DSCR, bridge, and fix-and-flip financing for non-owner-occupied investment property. One point of contact, with access to multiple wholesale lending programs.
Start in about 60 seconds · No tax returns · No W-2s
Every loan an investor needs to add the next door
One conversation. Multiple lending options. We evaluate your scenario across our network of wholesale lenders to find the programs that fit the deal.
DSCR Loans
Purchase or refinance a rental on its own cash flow. 30-year terms, qualification without personal income docs.
DSCR Cash-Out Refinance
Pull equity out of a rental you own and put it to work on the next one. Equity is fuel, not a trophy.
Short-Term Rental Loans
Airbnb and VRBO income counts. Financing built for STR operators, priced on rental revenue.
Fix & Flip Loans
Fast, asset-based financing for purchase plus rehab, built for the timeline a flip actually runs on.
Bridge Loans
Short-term capital that gets the deal closed now, with the exit refinanced on your schedule.
Portfolio Loans
One blanket loan across 5–20 doors. Simplify the debt, scale the portfolio.
Plus no-ratio, HELOC, foreign national & ITIN programs.
What’s DSCR?
Rent ÷ monthly payment. That’s the whole formula, and it’s the only income calculation on the file.
Your rental’s numbers decide the deal, so lead with them.
Tell us the property, the rent, and the plan. Your DSCR is computed on the spot and your options are priced on the property’s cash flow, not your paperwork.
Start in about 60 seconds · No tax returns · No W-2s
Built around how you actually invest
Different strategies hit different financing walls. OneMoreDoor is built for all six.
BRRRR Investors
Buy, rehab, rent, refinance, repeat, with the refinance step built for it.
Self-Employed Investors
Your write-offs stay your business. The property qualifies, not your Schedule C.
First-Time Landlords
Door #1 is the hardest. Financing that doesn’t require prior landlord experience.
Out-of-State Investors
Buy where the numbers work, not where you happen to live.
1031 Exchange Buyers
Deadline-driven financing that keeps your exchange timeline intact.
STR Hosts
Scale the Airbnb portfolio on the revenue it already produces.
28 states + Washington, DC open, and an honest map for the rest
TX · FL · GA · NC · TN · OH · WA · SC · AL · IN · MO · CO · MD · MA · DC · DE · HI · KS · KY · LA · ME · MS · NH · NM · OK · RI · WV · WI · WY. The map says plainly where we don’t work yet, and where the property sits decides the answer, not where you live.
Every investor has the same goal: one more door.
OneMoreDoor Capital exists to help you finance it, on the property’s numbers, in your entity, on your timeline.
Straight answers, no fluff
What is a DSCR loan?
A DSCR loan is an investment-property loan that qualifies on the property’s Debt Service Coverage Ratio (its monthly rent divided by its monthly payment) instead of the borrower’s personal income. No W-2s, no tax returns, no debt-to-income calculation: the property’s cash flow does the qualifying.
How do I qualify without tax returns?
Because these are business-purpose loans on non-owner-occupied investment property, underwriting centers on the asset: the property’s rent, value, and your down payment or equity, plus credit. Your personal income documentation and tax strategy stay out of the file entirely.
What credit score do I need?
Our score-based programs start around 600, and pricing improves as your score does. If your credit is below that or damaged, equity-based programs qualify you on the deal's equity instead of your score, with no minimum score at all. On a purchase that means a larger down payment. On a refinance it means the equity you already have. Every deal is priced on the property, the equity in it, and your credit, confirmed at application. Either way, the property’s cash flow carries significant weight in investor lending.
Can I close in an LLC?
Yes. Vesting title in an LLC or corporation is standard for investor loans, and in Florida the loan programs close in an entity as standard structure. Holding rentals in an entity protects you personally and sets the portfolio up correctly; if you don’t have an LLC yet, forming one is a normal part of the process.
Does Airbnb or VRBO income count?
Yes. Short-term rental programs qualify the property on its rental revenue, so an Airbnb or VRBO operating history, or market rent data for the property, can carry qualification. STR investors are a core audience for DSCR lending, not an exception.
What is a good DSCR ratio?
At 1.0, the property’s rent exactly covers its monthly payment. Above 1.0, the property produces positive cash flow. The stronger the ratio, the stronger the profile. Below 1.0, no-ratio programs exist in the market for qualifying properties.
Is this a consumer mortgage?
No. OneMoreDoor Capital arranges business-purpose loans secured by non-owner-occupied investment property only. If you or a family member will live in the property at any point, you need a traditional consumer mortgage, which we do not offer.
What states does OneMoreDoor Capital serve?
OneMoreDoor Capital is arranging financing for investors in 28 states and the District of Columbia: Alabama, Colorado, Delaware, District of Columbia, Florida, Georgia, Hawaii, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Washington, West Virginia, Wisconsin, and Wyoming. If your property is in one of these, we can help no matter where you live. The full map, including where we don’t work yet, is on our States We Serve page.
Run the numbers first.
Start in about 60 seconds. No tax returns, no W-2s. Tell us the property and the rent, and see where you stand.
Start in about 60 seconds · No tax returns · No W-2s