Two investor tools with different jobs. Bridge money buys speed on a property that is not ready. DSCR money holds a property that is producing rent. Most investors need both in sequence.
| Hard money / bridge | DSCR rental loan | |
|---|---|---|
| Purpose | Acquire and rehab quickly | Long-term hold on a rented property |
| Underwriting | The asset and the exit | Rent versus payment coverage, 1.1x+ |
| Term | 6–24 months | 30 years typically |
| Rate | Highest of the two | Near conventional investor pricing |
| Speed to close | 7–14 days | 14–30 days |
| Income docs | None | None — the property qualifies |
| Rehab funds | Yes, in inspected draws | No |
Buy with bridge, stabilize, then refinance into DSCR. Running that sequence deliberately is how investors scale without personal income documentation ever entering the picture.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score
