Stateside Lending · NMLS #2567704 · Equal Housing Opportunity

Tough Deals Welcome

The deals other lenders pass on are the ones we're built for.

Why bring us the hard ones

A single-lender “no” isn’t the whole market

Mono-line lenders can only fund what fits their one box. Because Stateside brokers across 109+ lenders and funds DSCR in-house, when a deal doesn’t fit one path we go find the one it does. Send us the scenario — we’ll give you a straight answer fast.

We fund

Credit challenges

Past bumps, thin files, or recent events that scared off the bank — we look at the whole picture, not just a score.

We fund

Complex or hard-to-document income

Self-employed, 1099, multiple entities, or write-offs that hide real cash flow. Bank-statement, DSCR, and alt-doc paths qualify you on reality.

We fund

Unique & non-warrantable properties

Mixed-use, multi-unit, rural, heavy-rehab, or anything a single lender's box won't touch.

We fund

Speed-critical closings

A deal that has to fund on a tight timeline — we move fast to keep your closing on track.

We fund

Scaling investors maxed elsewhere

DTI tapped out or too many doors for a conventional lender? DSCR and portfolio loans qualify on the property.

We fund

"My bank already said no"

A decline from one lender isn't a decline from the market. We re-shop it across 109+ partners to find the yes.

How it works

Three steps

01

Send the scenario

The property, the numbers, and what’s making it tough — no polished package required.

02

We work every angle

We shop 109+ lenders to find a structure that fits — and fund DSCR in-house.

03

Straight answer, fast

A clear yes, a path to yes, or an honest no — quickly, so you can move.

Got a deal everyone else passed on?

Submitting a scenario is not an application or a commitment to lend. All financing is subject to underwriting, lender, and program approval; terms vary by deal. NMLS #2567704.