Disciplined lending,
built to hold up.
Long-term and short-term financing on non-owner-occupied investment properties, originated through trusted mortgage broker relationships across 25+ states.
OUR APPROACH
We finance the operators building America’s rental housing stock with terms that hold up, underwriting that surfaces issues early, and commitments designed to close.
Five programs.
One relationship.
LOAN PROGRAMS
Fix & Flip capital that moves at your pace.
FEATURED · FIX & FLIP / BRIDGE
Acquisition and rehab capital for experienced operators. Our 1–2 business day inspection turnaround cuts your carry costs. Industry standard is 5–7 days.
Up to 90% LTC for qualified sponsors
100% of rehab budget covered
1–2 business day draw inspection
Fast close on time-sensitive acquisitions
1–4 unit residential & small portfolios
30-year financing for stabilized rentals.
DSCR · 1–4 UNIT
Cash-flow qualified. No personal income verification. Entity lending. Standard 2-week close.
80% LTV purchase & rate-term
75% LTV on cash-out
0.75x minimum DSCR
SFR, condo, 2–4 unit
Cross-collateralized financing at scale.
DSCR PORTFOLIO & BLANKET
Up to 25 properties per loan. Partial release available.
Up to $6.25M aggregate
Up to 25 properties per loan
80% LTV at top tier
New construction capital for experienced builders.
GROUND_UP CONSTRUCTION
75% LTC with permits. 100% of construction budget. DSCR takeout available.
75% LTC with permits
100% of construction budget
Quick draw process
30-year financing for stabilized rentals.
DSCR · 1–4 UNIT
Cash-flow qualified. No personal income verification. Entity lending. Standard 2-week close.
80% LTV purchase & rate-term
75% LTV on cash-out
0.75x minimum DSCR
SFR, condo, 2–4 unit
THE STEEL ROOT STANDARD
Three operating principles.
I.
Each scenario is evaluated on property cash flow, structure, and durability, with principal-level judgment applied before a commitment is made.
Disciplined underwriting
II.
Accurate terms and direct communication help brokers and borrowers move confidently from initial scenario through closing.
Certainty of execution
III.
The long view
We focus on financing rental housing operators whose portfolios are built to perform across market cycles.
WHO WE SERVE
Built for the operators behind the deal.
We work with two audiences whose interests are fundamentally aligned: the brokers sourcing serious investor capital, and the operators building rental portfolios at scale.
Reliable execution your client can count on.
MORGAGE BROKERS
A broker’s reputation is tied entirely to their lender’s performance. We provide clear guidelines, direct communication with the principal, and consistent execution to protect your client relationships.
Upfront underwriting feedback
Rate locks honored as committed
Protected broker compensation
Leverage structured for portfolio scale.
REAL ESTATE INVESTORS
We supply the financing required to scale rental portfolios without the constraints of personal income verification. Our capital supports operators focused on asset aggregation and stabilization. Cash-flow based qualification Entity lending (LLCs, Corporations) DSCR, Fix & Flip, Ground-Up under one roof.
“The best lender is one who can be counted on.”
Capital structured for real assets that serve communities and perform over time.
RENTAL HOUSING
1-9
Units Financed
2-Wk
Standard Close
5
Loan Programs
25+
State Footprint
Every deal reviewed by the person who signs the commitment.
PRINCIPAL-LED
We are not a rate-sheet shop. Every loan that closes survived a principal-level review by someone with direct operating experience across multifamily, manufactured housing, and commercial real estate. That structure is a feature, not a transitional state.
GET STARTED
Have a deal?
Let's talk.
Submit a scenario for same-day review, or schedule a conversation with our principal directly
FAQ
Answers brokers need before submitting a scenario.
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Steel Root Capital works across a 25+ state footprint. Eligibility depends on product, borrower profile, property type, and current capital partner guidelines.
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Standard scenarios may receive terms in 24-48 hours. Standard DSCR files can close in as little as two weeks when documentation is complete.
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Minimums vary by product. Submit a scenario or request a rate sheet for current product-specific guidance.
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Portfolio loans may reach up to $6.25M aggregate loan size. Multifamily DSCR may reach up to $3M loan amounts. Other products are scenario dependent.
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Foreign nationals are eligible under qualifying DSCR scenarios, subject to documentation, reserves, entity, and program requirements.
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We close loans in LLC, Corporation, and qualifying Trust structures. Individual borrowers are considered case-by-case. Entity lending is standard across all programs.
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Our DSCR Portfolio & Blanket program cross-collateralizes up to 25 properties in a single loan up to $6.25M aggregate. A partial release option is available at 120% of the allocated loan amount per property.
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Yes. Our Ground-Up Construction program finances new construction for experienced builders up to 75% LTC with permits in hand, with 100% of the construction budget covered. Permanent DSCR financing is available upon stabilization.
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Broker compensation is disclosed and protected upfront. We operate as a wholesale lender through broker relationships. Compensation is confirmed in the term sheet and paid at closing. We do not compete with our broker partners.
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No. We do not re-trade approved terms. The rate lock we issue is the rate we close at. This is a non-negotiable operating principle of the firm.
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DSCR stands for Debt Service Coverage Ratio. A DSCR loan qualifies the borrower based on the income-producing capacity of the property rather than personal income. This makes it ideal for real estate investors operating through entities.