DSCR and Non-QM Investor Loans | EquityNest Capital
Business Purpose & Non-QM Lending

DSCR and Non-QM Investor Loans from EquityNest Capital

Capital structured around your investment.

We help investors find the best yes, because getting approved is only part of it. The financing you choose shapes what you are able to build next. We source financing across a broad network of lenders to find the structure and the terms that fit your project and your bigger vision.

Start Your ApplicationSpeak with a Loan OfficerView Loan Products
30+
States We Serve
15+
Loan Programs
21
Day Average Close
100%
Business Purpose
Recently Funded

Some of the recent projects we funded.

A few of what has closed recently through EquityNest. Every one is a business purpose loan on investment property.

Newly built two story home financed through EquityNest Capital
New Construction to DSCR RefinanceFlorida
Restored brick two story investment property in Missouri
First-Time Investor, DSCR LoanMissouri
Twenty two unit multifamily property financed in Texas
22-Unit Multifamily, Commercial LoanTexas
See more closings
Loan programs

Find your program.

All loan programs →
Investment propertyDSCR Loans→Qualify on the rent, not your tax returns.Investment propertyFix & Flip / Fix & Rent→Buy, renovate, then sell it or keep it.Investment propertyForeign National & ITIN→No Social Security number or U.S. credit needed.CommercialCannabis Financing→Real estate and capital for licensed operators.CommercialChurch Loans→Buy, refinance, expand or build.CommercialCommercial Real Estate→Mixed-use, office, retail and industrial.CommercialMultifamily→Apartment buildings with 5 or more units.Works for bothAirbnb / Short-Term Rental→Qualify on short-term rental income.Works for bothBank Statement Loans→Deposits qualify self-employed borrowers.Works for bothBridge & Hard Money→Fast, asset-based funding.Works for bothGround-Up Construction→Build new, first build or fifth.Works for bothLand & Lot Loans→Raw land, entitled lots and acreage.Works for bothPortfolio & Blanket→Many properties, one loan.
Every program works forPurchase →Rate and term refinance →Cash-out refinance →
Who we serve

Built for investors and business owners.

Portfolio builders growing past the conventional limit. Business owners buying the building they work from. First-time investors who want a real person to answer their questions.

I

No personal income required

Every program qualifies you on the property's performance, your business deposits, or the asset itself.

II

Non-owner-occupied only

One focus means deeper expertise, better lender relationships and faster approvals.

III

Over 30 states, one broker

You are not starting over with a new broker every time you cross a state line.

How it works

From scenario to funding.

See the loan programs →
01

Submit your scenario

The property, the price and the goal. We find the right program in hours.

02

Receive options

We shop it across our lenders and come back with real options and terms.

03

Process and approve

We manage every document and condition so the file keeps moving.

04

Close and fund

We work with title and escrow to fund on your timeline.

What we finance
Single-family rentals·Multifamily·Commercial·Short-term rentals·New construction·Churches
Client experiences

What our investors say.

Two conventional lenders passed on my rental because of the DSCR ratio. EquityNest understood the income model, structured it correctly, and closed in 18 days.
Marcus T. · Atlanta, GA
The bank statement program let me qualify on actual cash flow and pull equity out of my commercial building in under 30 days.
Diana R. · Miami, FL
They knew exactly how STR DSCR works when no other broker would touch it. Three more properties since.
Jordan & Aisha K. · Nashville, TN
Business purpose lending

Ready to fund your next
investment property?

Start your loan application →or speak with a loan officer  ·  (844) 405-2400