30-year fixed and ARM options up to 80% LTV. Loan amounts from $75K to $2M. Built for investors who need speed and dependable closings.
No credit pull. No obligation.
Whether you're purchasing, refinancing, pulling cash out, or consolidating a portfolio — our DSCR program qualifies your deal on rental income, not your tax returns. Foreign nationals welcome. Vacant properties permitted.
Fill out the 2-minute form above. No credit pull, no commitment.
A dedicated loan advisor reviews your scenario and calls you within 4 hours.
We move fast. Closings in as few as 7 days so you never lose a deal.
Speed. Dependable closings. A team that understands how investors buy. No personal income verification — your property's cash flow is your qualification.
No tax returns. No income verification. We underwrite your deal based on rental income with a minimum DSCR of just 1.05x.
Straightforward terms. No surprises. 30-year fixed and 5/1, 7/1, 10/1 ARM options with interest-only available.
Loans from $75K to $2M for single-family, 2–4 units, condos, townhouses, and PUDs. Short-term rentals eligible. Vacant purchases permitted.
Our leadership team pioneered the first 30-year DSCR lending product at Blackstone's B2R Finance and closed the historic 2015 multi-borrower single-family rental securitization — named CMBS Deal of the Year. With 25+ years in investor lending and U.S. Marine Corps discipline applied to every deal, Ternus was built by investors, for investors.
"Ternus has handled multiple acquisitions for me in the last 12 months. Amazing processing, advice, insight and service. Their AEs are very knowledgeable, and think several steps ahead in every transaction I have been involved with to set the right expectations."
No. Your initial quote request does not trigger a credit inquiry. A credit check only happens if you decide to move forward with a full loan application.
We finance properties with DSCR ratios as low as 0.75. Even if rent doesn't fully cover the mortgage payment, you may still qualify with strong compensating factors.
There is no portfolio limit. Whether you own 1 property or 100, we can finance your next acquisition. No caps, no restrictions on total properties owned.
We lend in 40+ states nationwide. Exceptions include Alaska, Arizona, California, Hawaii, Michigan, Minnesota, Nevada, Oregon, Rhode Island, and Vermont.
Our fastest closings happen in 7 days. The average is under two weeks. Speed depends on appraisal turnaround and title work, but we control everything we can to keep your timeline tight.