DSCR One-Time Close Construction Financing
How It Works Land Strategy State Availability Schedule Review
Nationwide Lender — State Restrictions Apply

DSCR One-Time Close Construction Loans

Build 1–4 unit rental properties using projected rental income — not tax returns, W-2s, or personal income.

This is not regular DSCR. This is investor-focused construction financing designed to help qualified real estate investors build rental property with one loan, one closing, and a path from construction to permanent financing.

Loan amounts up to $2M
No tax returns
No W-2s
Projected rental income
1–4 unit investor builds
Schedule a Fast Scenario Review Own the Land?
Gabe Romo

Gabe Romo

DSCR Construction Loan Expert | NMLS 199761

Fast scenario reviews for investors building rental property, including land-owned scenarios, projected rents, fourplex builds, and construction-to-permanent DSCR strategy.

The Core Difference

Regular DSCR is common. DSCR construction is not.

Most lenders talk about DSCR after the property already exists. This program is different because it can help review the construction plan, projected rents, land position, and final rental property strategy before the build is complete.

1x
One Loan / One Closing Construction-to-permanent structure in one cleaner financing path.
$
Projected Rents Qualification is driven by rental income analysis, not traditional personal income.
4
Up to 4 Units Investor-focused single-family, duplex, triplex, and fourplex construction.
$2M
Up to $2M Loan amounts up to $2 million for eligible scenarios, subject to approval.
Own the Land Already?

Land equity may change the construction strategy

If you have owned the land for 6+ months, there may be a way to structure the loan using the current appraised value rather than only your original land cost.

That can potentially reduce the cash needed to start construction, depending on equity, appraisal, loan terms, program guidelines, and final underwriting approval.

Possible refinance strategy

Land owned 6+ months may create a different path than a straight land purchase + construction structure.

What We Look At

It is more than just a credit score

A DSCR construction review may include the land position, unit count, project budget, builder, plans, future appraised value, market rents, reserves, credit profile, and exit strategy.

The goal is to find out quickly whether your deal has a real path before you lose time with a lender that only understands regular DSCR loans.

Bring the Deal

What Gabe can review with you

This page is built for investors who want a direct, practical scenario review before wasting time with the wrong loan program.

1–4 Units Single-family rentals, duplexes, triplexes, and fourplexes.
4-Plex Builds Investor-focused rental construction scenarios.
Land Equity Land-owned 6+ month refinance strategy review.
Projected Rent Rental income-based qualification review.
Loan Size Loan amounts up to $2M for eligible projects.
Denied Elsewhere? Many lenders do not understand DSCR construction.
Nationwide Lender

Available nationwide, subject to state and program restrictions

Gabe can assist investors nationwide, but DSCR construction program availability is subject to state restrictions, property eligibility, investor guidelines, and underwriting approval.

If you are in a state where this specific DSCR construction program is restricted, Gabe may still be able to review whether another investor financing path is available.

Nationwide Lender
State Restrictions Apply
Program Guidelines Apply
Fast Scenario Reviews
DSCR construction program availability, eligible property types, state availability, loan amounts, rental analysis, land seasoning rules, and approval requirements may change. Not all borrowers, properties, builders, or construction scenarios will qualify.

Ready to Review Your DSCR Construction Scenario?

Schedule a fast scenario review with Gabe Romo. Bring the state, land status, unit count, estimated rents, construction budget, credit profile, and project details.

Schedule a Fast Scenario Review Call 505-235-5078

Gabe Romo | DSCR Construction Loan Expert | NMLS 199761

Novus Home Mortgage is a division of Ixonia Bank, NMLS 423065, Member FDIC, Equal Housing Lender.

This is not a commitment to lend. All loans are subject to credit approval, appraisal, property eligibility, loan program guidelines, investor requirements, construction review, underwriting approval, and applicable state and federal guidelines. Terms, rates, availability, loan amounts, and qualifying requirements are subject to change without notice. Not all borrowers, properties, builders, or construction scenarios will qualify.

DSCR loan approval is based on eligible program requirements and property cash flow/rental income analysis. Projected rents, appraised value, land equity, and refinance treatment are subject to appraisal, documentation, investor guidelines, state availability, and underwriting approval. NMLS Consumer Access: nmlsconsumeraccess.org.