DSCR Loans
Rental-property financing for SFR, multi-family, and condos using income coverage instead of traditional income documentation.
DSCR, bridge, commercial, construction, and investor refinance loans
Real estate lending guidance with Sierra Johnson, The Loan Lady.
The Loan Lady helps investors and business owners compare lending options, package stronger requests, and move from scenario to closing with fewer surprises.
48 hrs
initial credit read
6+
lender categories compared
12 mo
forward-looking debt plan
Lending solutions
Financing for durable business moves.
The work starts with property type, occupancy, cash flow, collateral, exit strategy, and lender fit.
Commercial Loans
Owner-occupied or non-owner occupied commercial property financing with lender options matched to use and collateral.
Fix and Flip
Short-term acquisition and rehab capital for investors working toward resale, refinance, or rental conversion.
Ground Up Construction
Construction lending for new builds with attention to budget, draw schedule, permits, and exit plan.
Bridge Loans
Flexible short-term capital for purchases, delayed financing, transitions, and time-sensitive property strategies.
HELOCs
Equity access for qualified real estate owners who need revolving capital tied to available property value.
Property types
Built around real estate collateral.
The Loan Lady supports purchase and refinance scenarios for investor properties, including non-owner occupied SFR, multi-family, and condos. Commercial properties can be owner occupied or non-owner occupied.
Fix and Flip
Acquisition and rehab capital for investors improving a property for resale, refinance, or rental conversion.
Single Family Rental
Purchase or refinance non-owner occupied SFR investment properties.
Multi-family
Investor refinances and purchases for duplexes, triplexes, fourplexes, and larger residential income properties.
Ground-up Construction
New-build lending scenarios with construction budgets, draws, and exit plans.
Commercial Property
Owner-occupied and non-owner occupied commercial property lending.
How it works
A tighter path from request to approval.
1
Credit snapshot
We review use of funds, recent financials, ownership, collateral, and constraints.
2
Lender map
Options are compared by pricing, covenants, timing, guaranty exposure, and documentation burden.
3
Package and negotiate
A lender-ready package supports cleaner underwriting and better conversations.
4
Close and monitor
Closing items, renewal dates, and next financing milestones stay visible after funding.
Pricing scenario
Model a lending scenario before the first term sheet.
Set appraisal value, FICO, baseline market rate, product type, property type, and DSCR assumptions to preview estimated pricing, leverage, and monthly debt service.
Estimated note rate
8.00%
Target loan amount
$840,000
Monthly debt service
$6,162
Scenario estimates are for planning only. Final pricing depends on lender appetite, documentation, borrower profile, collateral review, and market movement.
Built for real estate investors and business property owners.
Investors refinancing non-owner occupied SFR, multi-family units, and condos.
Business owners purchasing or refinancing owner-occupied commercial property.
Real estate investors using bridge, fix and flip, or ground-up construction capital.
Property owners exploring HELOCs or equity access for their next move.
Start the conversation
Talk with Sierra Johnson, The Loan Lady.
Share the property type, loan amount, timeline, and goal. Sierra can follow up with next steps and the documents worth gathering first.
mechell.brown@gmail.com