BSCR Mortgage Products for Investors & Builders
$50K to $3–4M in real estate capital across 46 states. Investment properties, primary residences, ground-up construction, and more. Led by Justin Tricoche, CEO.
Understanding BSCR Mortgage Products
BSCR (Business and Structured Capital Ratio) mortgages are evaluated based on the property's income and rent roll — specifically the cash flow remaining after mortgage payments and taxes. This is also known as Debt Service Coverage Ratio (DSCR) underwriting.
Unlike conventional mortgages that rely heavily on personal income documentation, BSCR products qualify borrowers based on the property's ability to service its own debt. A property generating $3,000/month in rent with a $2,000/month mortgage payment has a DSCR of 1.5x — well above the typical 1.0x–1.25x threshold.
This approach makes our mortgage products ideal for real estate investors with multiple properties, self-employed borrowers, or anyone whose personal income documentation doesn't reflect their true financial position.
What We Finance
Investment Properties
Single-family, multi-family, and portfolio investment properties. DSCR-based qualification.
Primary Residences
Owner-occupied primary residence financing with competitive rates and flexible terms.
Ground-Up Construction
New construction financing for residential and mixed-use development projects.
Purchase Renovation
Fix & flip and purchase rehab loans for investors acquiring distressed properties.
Mixed-Use Development
Commercial and mixed-use properties with both residential and retail components.
Turnkey Properties
Fully renovated, rent-ready investment properties with immediate income potential.
Capital That Moves
as Fast as You Do
From ground-up construction to value-add acquisitions, Elite Capital Partners structures financing around your deal — not the other way around. We close in as few as 10–14 days so you never miss a window.
Real estate is the most reliable vehicle for generational wealth. Our job is to remove every barrier that stands between a great investor and their next deal.
Available Structures
| Product | Range | Property Type | Key Feature |
|---|---|---|---|
| DSCR Loan | $50K – $3M | Investment Property | No personal income required |
| Ground-Up Construction | $200K – $4M | New Construction | Draw schedule available |
| Fix & Flip | $75K – $1.5M | Residential Rehab | ARV-based underwriting |
| Cash-Out Refinance | $100K – $3M | Investment / Primary | Access existing equity |
| Rate & Term Refi | $50K – $2M | Investment / Primary | Lower rate or term |
| Purchase Rehab | $100K – $2M | Value-Add | Acquisition + renovation |
| Turnkey Purchase | $50K – $1.5M | Rent-Ready | Immediate income property |
Frequently Asked Questions
What is a BSCR mortgage and how does it work?
BSCR (Business and Structured Capital Ratio) mortgages are evaluated based on the property's income and rent roll after accounting for mortgage payments and taxes — not the borrower's personal income. This makes them ideal for investors who hold multiple properties or have complex income structures.
What loan amounts are available?
We offer BSCR mortgage products ranging from $50,000 to $3–4 million, depending on the property type, location, and income profile. Ground-up construction and mixed-use development projects may qualify for higher amounts.
What property types do you finance?
We finance investment properties, primary residences, ground-up construction, purchase renovation (fix & flip), and turnkey properties. Both residential and commercial mixed-use properties are eligible.
Which states do you operate in?
Our BSCR mortgage products are available in 46 states. Contact our team to confirm availability and specific requirements in your state.
How long does the approval process take?
Pre-qualification can typically be completed within 24–48 hours of submitting your property information and documentation. Full underwriting and closing timelines vary by deal complexity, but we have closed DSCR loans in as few as 10–14 days.
Do I need to show personal income to qualify?
For most BSCR and DSCR products, personal income documentation is not required. Qualification is based primarily on the property's income-generating potential. This is one of the key advantages of our mortgage products for investors.
Ready to Get Pre-Qualified?
Submit your property details and receive a pre-qualification decision within 24–48 hours.