DSCR LOANS
Qualify based on your property's rental income — not your personal tax returns. Perfect for self-employed investors and portfolio builders.
LOAN DETAILS
- Minimum DSCR1.0x
- Max LTVUp to 80%
- Loan Term30-Year Fixed
- Min Loan Amount$75,000
- Income VerificationNone Required
- Property TypesSFR, 2–4 Units
WHO IT'S FOR
- ✓Self-employed investors with complex tax returns
- ✓Portfolio landlords building long-term wealth
- ✓Investors seeking 30-year fixed stability
- ✓Borrowers with strong rental properties
- ✓Those who prefer property-based qualification
HOW IT WORKS
We've streamlined the lending process so you can focus on finding great deals, not chasing paperwork.
Submit Your Request
Complete our short online form with your deal details — property address, loan type, and amount. Takes less than 3 minutes.
Speak with a Specialist
A dedicated loan specialist will contact you within 24 hours to discuss your deal, answer questions, and outline your options.
Receive Your Term Sheet
We issue a clear, no-obligation term sheet outlining rates, terms, and conditions. No hidden fees, no surprises.
Close & Get Funded
Once approved, we move quickly to close. Many deals fund in as few as 5–7 business days. Your capital, on your timeline.
No credit pull required to get started.
WHAT OUR BORROWERS
ARE SAYING
"Southern Ground Capital funded my fix and flip in 6 days. I had another lender fall through at the last minute, and SGC stepped in and saved the deal. Their team was responsive, professional, and delivered exactly what they promised. I've done 4 deals with them since."
"As a rental portfolio investor, the DSCR loan program was exactly what I needed. No W-2s, no tax returns — just the property's cash flow. SGC made it simple and closed in under 3 weeks. I've already refinanced two more properties through them."
"I've worked with a lot of hard money lenders over the years. Southern Ground Capital is different — they actually understand construction draws and timelines. The draw process was smooth, communication was excellent, and they funded every draw on schedule."
READY TO FUND
YOUR NEXT DEAL?
Submit your information and a Southern Ground Capital loan specialist will reach out within 24 hours to discuss your deal and provide a no-obligation quote.