Our services

DSCR Loan

At Optimal Lending Solutions, we specialize in helping real estate investors access capital through DSCR (Debt Service Coverage Ratio) loans—financing designed around the income a property generates rather than the borrower’s personal income. DSCR loans are ideal for investors looking to purchase cash-flowing properties, refinance existing holdings, or expand their portfolios without the constraints of traditional income verification.

Our team has extensive experience in structuring and guiding DSCR transactions, ensuring investors understand every detail of how the property’s cash flow supports the loan. We carefully analyze rental income, operating expenses, and market trends to provide transparent insights, helping clients make informed decisions that align with their investment goals.

From acquisition to closing, we manage the process from start to finish—reviewing documentation, coordinating with lenders and title companies, and providing hands-on guidance to make the transaction seamless. Our mission is to make DSCR financing approachable, predictable, and efficient, giving investors the confidence to scale their portfolios and achieve their financial objectives.

Fix&Flip Loan

At Optimal Lending Solutions, we provide specialized financing for real estate investors looking to acquire, renovate, and resell properties quickly—commonly known as fix & flip loans. These loans are designed to maximize investor leverage and minimize out-of-pocket costs, often covering up to 90% of the purchase price and 100% of the renovation budget, allowing investors to focus on transforming properties rather than tying up personal capital.

Fix & flip loans are structured around the projected after-repair value (ARV) of the property and the anticipated renovation costs, not just the borrower’s income. Our team evaluates each project carefully, analyzing market conditions, comparable sales, and renovation plans to ensure that the financing aligns with the property’s potential and the investor’s objectives. This thorough approach reduces risk and helps investors make informed decisions that can maximize their returns.

We guide clients through the entire process—from initial consultation and funding approval to managing paperwork, coordinating with lenders and title companies, and supporting the closing. Our goal is to make fix & flip financing straightforward, efficient, and transparent, so investors can focus on renovating properties, completing projects on time, and achieving profitable exits.