PRIVATE CAPITAL · HARD MONEY · DSCR LENDING
Fast, Streamlined Financing to Scale Your Rental Portfolio.
Hard Money & DSCR Loans Custom-Built for Real Estate Investors. No red tape. Private capital provided directly by Bryan Joyce.
What Is a DSCR Loan?
A DSCR loan — Debt Service Coverage Ratio — is a rental property mortgage that qualifies you entirely on the property's rental income cash flow, not your personal income, employment history, or private tax records. If the property earns, you qualify.
This is the ultimate financing tool for self-employed investors, high-net-worth individuals with complex income, or any investor looking to scale a rental portfolio quickly without the friction of traditional mortgage underwriting. No W-2s. No pay stubs. No bureaucracy.
Qualifying is straightforward: the property's gross rental income must cover the full monthly debt obligation — or come close enough to qualify under Bryan Joyce's flexible low-DSCR program. Here's exactly how the math works.
QUALIFICATION BASIS
Property Cash Flow Only
PERSONAL INCOME REQUIRED?
None
IDEAL FOR
Self-Employed & Scaling Investors
The DSCR Formula
The formula is simple. The property pays for itself — or it doesn't. Bryan Joyce underwrites every deal against this single test.
DSCR = Gross Rental Income ÷ PITIA
PITIA = Principal + Interest + Taxes + Insurance + Association Fees
DSCR > 1.25 — Strong cash flow. Unlocks Bryan Joyce's most competitive rates and terms.
DSCR = 1.0 — Property breaks even perfectly. Clean qualification.
DSCR < 1.0 — Low-DSCR program available. Flexible qualification down to a 0.75 ratio for experienced investors based on credit profile and asset strength.
Loan Parameters
Every DSCR deal Bryan Joyce structures is engineered around maximum flexibility — giving serious investors the leverage, terms, and structure they need to scale.
Up to 80% LTV
Maximize leverage on your rental acquisitions. Finance up to 85% of the property value — and with LTV stacking, fees can be rolled directly into the loan structure.
Broad Property Coverage
Single Family (1-4 units), Multifamily (5-10 units), Short-Term Rentals (Airbnb / Vrbo), and Long-Term Rental Portfolios all qualify.
Flexible Repayment Structures
Choose from 15-year fixed, 30-Year Fixed, 30-year Fixed, 30-year Fixed l/O,
5/6 ARM, 5/6 ARM l/O matched to your portfolio's cash flow strategy.
Finance Your Fees In
LTV stacking capabilities allow origination fees and closing costs to be financed directly into the loan amount, protecting your liquidity at close.
More Private Money Programs
Beyond DSCR rentals, Bryan Joyce provides direct private capital across three additional deal structures — each built for speed and investor flexibility.
Fix & Flip Loans
Short-term purchase and renovation financing. Fast closes, flexible draws, and no bureaucratic delays — engineered for investors moving quickly on distressed assets.
Bridge Loans
Quick private capital to close timing gaps between acquisition, refinance, or sale. When speed is the deal, Bryan Joyce bridges it.
New Construction Loans
Flexible draw schedules structured around your build timeline. Ground-up financing for builders who need a lending partner that moves at construction speed.
Ready to Fund Your Next Deal?
Submit your scenario to Bryan Joyce. No gatekeepers, no committees — just a direct answer and a clear path to close. Bryan responds within 15 minutes.