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Everest Blue Capital
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212-277-6527 · info@everestbluecapital.com
NMLS #2536759

Direct lenderNew YorkNMLS #2536759

DSCR loans, priced in seconds.

Financing for residential real-estate investors — DSCR, bridge, fix-and-flip and ground-up construction loans, with in-house underwriting and a commitment to completing transactions within 30 days.

Apply now Explore all seven programs
Live pricing 01 / 03

Instant DSCR quote

No email or phone required for initial rates.

Step 1 of 3: your scenario

Program

Loan purpose

Property type

Step 2 of 3: the numbers
Step 3 of 3: loan structure

Product

DSCR ratio

Prepay penalty years

Estimated rate today

DSCR Prime · Fixed 30

    Interest rates change daily. Your exact interest rate will depend on the date you lock your rate. This estimate is not a loan approval or a commitment to lend; all loans are subject to underwriting approval.

    Max LTV · DSCR rental loans
    80%
    DSCR loan sizes from $100K
    $4M
    Minimum FICO · DSCR Prime
    640
    Our closing commitment
    30days

    01 Loan programs

    Seven ways to finance an investment property.

    Long-term rental loans, and short-term bridge, fix-and-flip and construction financing. Select a program to see its published terms.

    1. 01DSCR PrimeExpanded loan sizes and flexible credit tiers, still with no income docs.Loan size$100K – $4MMax LTV80%Min FICO640
    2. 02Foreign NationalFor non-U.S. citizens investing in U.S. real estate. No U.S. credit score needed.Loan sizeUp to $2.5MMax LTV75%Min FICONot required
    3. 032–8 Unit Mixed-UseRetail, restaurant and office below, residential above. Soft approval in one business day.Loan size$400K – $2MMax LTV75%Min FICO700
    4. 045–9 Unit MultifamilyStreamlined small-balance multifamily with one-business-day turn times.Loan size$350K – $2MMax LTV75%Min FICO680
    5. 05BridgeShort-term, interest-only financing for stabilized properties and light rehab.Term12 – 18 moMax leverage90% LTVMin FICO660
    6. 06Fix & FlipPurchase and renovate with competitive leverage, then sell the day it is finished.Term12 – 18 moMax leverage90% LTCMin FICO660
    7. 07Ground-Up ConstructionFrom land to certificate of occupancy, with 100% of hard costs financed.Term12 – 24 moMax leverage75% LTCMin FICO660

    Long-term rental01 / 07

    DSCR Prime

    Expanded loan sizes and flexible credit tiers, still with no income docs.

    Loan-to-valueUp to 80%
    Terms
    30-year fixed · 5/6 ARM
    Purpose
    Purchase · Rate/term refinance · Cash-out
    Min DSCR
    None — no-ratio allowed
    Property
    SFR, 2–4 units, PUDs, warrantable & non-warrantable condos, townhouses
    Rate lock
    30-day default lock; rates float until locked
    View programPrice it now

    Figures are program maximums or minimums as published on each program page. All loans are subject to underwriting approval; terms may change without notice.

    02 How it works

    From first quote to closing table in thirty days.

    Processing and underwriting are handled by our in-house team.

    1. Step 01

      Price it

      Run your scenario through the instant quote. No email or phone number required.

    2. Step 02

      Apply online

      Complete the application online through our borrower portal.

    3. Step 03

      In-house underwriting

      Your file is processed and underwritten by our in-house team.

    4. Step 04 · within 30 days

      Close

      We are committed to completing transactions within 30 days.

    • Direct lenderBased in New York, lending on residential investment property.
    • Rates float until lockedDefault lock period of 30 days on DSCR programs.
    • 24–48 hour underwritingTurnaround on Bridge and Fix & Flip scenarios.

    03 Our presence

    Lending in 41 states and Washington, D.C.

    Choose a state on the map, then price a property there.

    Coverage

    41 states + D.C.

    Choose a state on the map to price a property there.

    Price a property
    • Lending
    • Not yet available

    Not yet lending in Arizona, Minnesota, Nevada, North Carolina, North Dakota, Oregon, South Dakota, Tennessee and Vermont.

    One World Trade Center at dusk, New York City

    04 The firm

    A direct lender, at home in New York.

    Everest Blue Capital specializes in financing residential investment properties, with a focus on efficiency and flexibility.

    Our flagship 30-year DSCR mortgage is designed for fast, flexible and efficient funding. With a streamlined origination process and competitive rates, we aim to make the mortgage journey as frictionless as possible.

    Underwriting
    In-house processing & underwriting team
    Office
    3 Columbus Circle, Suite 1700, New York, NY 10019
    Licensing
    NMLS #2536759 · Equal Housing Lender
    All about Everest Blue Capital

    05 Every other quote

    Bridge, flip or build? Tell us about the deal.

    Anything beyond a DSCR rental loan is quoted by a person. Send the outline and our lending team will follow up.

    Request a quote* required