Qualify on your property's rental income. We accept DSCRs from 0 to 1.25+. Also offering Fix & Flip, Bridge, and Ground-Up Construction loans. A division of Prime Property Lending.
We specialize in the loan products real estate investors need — flexible qualification, no W2 required, and fast closings in Georgia and Florida.
Qualify on your rental property's income — not your W2 or tax returns. We accept DSCRs from 0 all the way to 1.25 and above. Ideal for self-employed investors, LLC buyers, and anyone scaling a rental portfolio.
Finance both purchase and renovation costs based on after-repair value. Move fast on distressed properties and maximize your returns. Ideal for flippers looking to scale in the Atlanta, Tampa, and Orlando markets.
Short-term capital to bridge the gap between buying and selling, or while waiting on permanent DSCR or conventional financing. Don't miss a deal because of slow financing.
From raw land to finished property in Georgia and Florida. Draw-based financing covering land, permits, and vertical construction. Frequently converts to a DSCR loan at completion.
A DSCR loan (Debt Service Coverage Ratio loan) lets real estate investors qualify based on rental income — not personal income, W2s, or tax returns. If the property cash flows, you qualify. And even if it doesn't yet, we still have programs for you.
Everything investors ask us about DSCR loans, Fix & Flip, Bridge, and Construction financing in GA and FL.
Enter your Georgia or Florida rental property numbers to see your DSCR ratio. Remember — we accept DSCRs from 0 and up.
Unlike most DSCR lenders in Georgia and Florida who require a minimum ratio of 1.0 or 1.25, we work with DSCRs all the way down to 0. That means even properties where rental income doesn't yet cover the full debt service may still qualify.
PITIA = Principal + Interest + Taxes + Insurance + HOA/Assessments. Every component counts toward your total monthly debt service.
We accept DSCRs from 0. We're available after hours. We close fast. Most competitors can't say all three.
Most Georgia DSCR lenders require a 1.0–1.25 minimum. We have programs for every ratio level, including properties not yet generating full rental income.
Investment deals don't wait. We're available evenings and weekends — when opportunities arise and fast answers matter most.
DSCR, Fix & Flip, Bridge, and Ground-Up Construction — plus Conventional, FHA, VA, and USDA through Prime Property Lending.
Deep local market knowledge across Atlanta, Roswell, Tampa, Orlando, Jacksonville, and surrounding markets in both states.
Real feedback from investors who closed DSCR, Fix & Flip, Bridge, and Construction loans through Prime Property Lending in Georgia and Florida.
"Chris was incredibly knowledgeable and made the entire process seamless. As a self-employed investor, I was worried about qualifying — but the DSCR loan was a game changer. Closed in under 3 weeks!"
"We used Prime Investment Loans for a fix and flip and couldn't be happier. Fast approval, great communication, and they actually understood the deal. Already working on our second flip with them."
"I've worked with a lot of lenders and Chris is in a different league. Available on weekends, fast answers, and got my bridge loan closed so I didn't lose the property. Highly recommend."
"Used them for a DSCR loan on my second rental. So much easier than a traditional lender — no hassle with tax returns, and they explained everything step by step. Will be back for my third property."
"Ground-up construction financing done right. Chris walked us through every draw, kept us on schedule, and the team was responsive throughout our 9-month build. Will absolutely use them again."
"As a first-time investor I was nervous, but the team walked me through everything about DSCR loans and helped me find the right program. Closed on my first rental property in Florida — couldn't be happier!"
Our streamlined process gets you from application to close in as little as 10 days.
Tell us about your deal, property, and goals. We'll identify the right loan product — DSCR, Fix & Flip, Bridge, or Construction — right away.
Complete our online application. For DSCR, we need a lease or rental market analysis — no W2s, no tax returns, no employment docs.
We review your file quickly and issue a pre-approval so you can make confident, competitive offers on investment properties.
We work to close in 10–30 days in Georgia and Florida — so you never miss a good investment opportunity due to slow financing.
Fill out the form and we'll respond within one business day. For urgent deals, call or text us directly — we answer evenings and weekends.
Thanks for reaching out. We'll be in touch within one business day. For urgent deals, call us at (678) 313-4879.
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