DSCR & Double
Close Lending
Whether you're building a rental portfolio or need transactional funding for a double close, Capital Flow Solutions delivers fast, flexible capital—no income verification required.
Quick Comparison
Two Powerful Loan Products
Purpose-built for real estate investors who need fast, no-hassle capital without traditional bank requirements.
DSCR Rental Loans
Qualify based on your property's rental income—not your personal tax returns. Perfect for scaling your portfolio without the paperwork headaches of conventional financing.
Interest Rate
7.5–9.5%
Loan Term
30 Years
Max LTV
Up to 80%
Close Time
4–5 Weeks
Double Close Funding
Secure transactional funding for your A-to-B leg of a double close. We fund same-day so your B-to-C closing can proceed without your own cash tied up in the deal.
Funding
100% A–B
Turnaround
Same Day
Credit Pull
None
Income Docs
None
How DSCR Lending Works
Qualify using the property's income—not yours.
Submit Deal
Share property details, purchase price, and projected rent. No tax returns needed.
DSCR Analysis
We evaluate the ratio of rental income to debt service. DSCR ≥ 1.0 typically qualifies.
Appraisal & Title
We order an appraisal through our vetted AMC. You handle title or use our preferred partners.
Close in 4–5 Wks
Funds wired at closing. Start collecting rent and build your portfolio.
How Double Close Funding Works
Execute back-to-back closings without using your own cash.
You Buy from Seller (A→B)
We wire transactional funds to the title company. You purchase the property from the original seller. Our capital is secured.
Capital Flow Solutions funds 100% of the A–B purchase price through the closing agent.
Your end buyer closes and their funds repay our transactional capital—typically same day.
You Sell to End Buyer (B→C)
Your end buyer funds flow through title, repaying our loan. You pocket the spread—no cash out of pocket.
How Can We Serve You?
Select your loan type below and we'll tailor the application to your needs.
DSCR Loan
Double Close
Other
Application Received!
Thank you! Our team will review your submission and contact you shortly.
DSCR & Double Close FAQs
DSCR Loan Questions
DSCR stands for Debt Service Coverage Ratio. Instead of qualifying you on your personal income and tax returns, we look at the property's rental income vs. its monthly debt obligation. A DSCR of 1.0 means rent covers the mortgage payment. We typically want 1.0 or higher, with better rates for higher ratios.
Our minimum credit score for DSCR rental loans is 680. There are no income tax return requirements—just the property's cash flow and your creditworthiness.
DSCR rental loans do have prepayment penalty options that can be chosen from 1–5 years. The penalty structure is determined at closing and reflected in your rate. Longer prepayment periods often correspond with better rates.
Double Close Questions
A double close is two simultaneous or back-to-back transactions: you buy from a seller (A→B) and immediately sell to an end buyer (B→C). Investors use it to protect their profit margin while avoiding an assignment of contract.
No credit pull is required for transactional double close funding. Since the funds are typically in and out within the same day, we're primarily concerned with the confirmed B→C closing—not your personal credit profile.
