Local property. A national lending team.

Find financing where you invest

Explore our 43 lending jurisdictions and the requirements that apply to each property. Compare DSCR, foreign national, multi-unit and eligible full-documentation or alternative-income options with a TQL strategist.

Discuss my property

Lending locations

Select a state to review rental-property financing, income-documentation paths and state overlays. Some jurisdictions are business-purpose only; licensing and program eligibility determine the available occupancy.

AlabamaArizonaArkansasBusiness-purpose financingCaliforniaColoradoConnecticutDelawareBusiness-purpose financingFloridaGeorgiaIdahoIllinoisIndianaIowaKansasBusiness-purpose financingKentuckyBusiness-purpose financingLouisianaBusiness-purpose financingMaineBusiness-purpose financingMarylandBusiness-purpose financingMassachusettsBusiness-purpose financingMichiganMinnesotaMississippiBusiness-purpose financingMissouriBusiness-purpose financingMontanaBusiness-purpose financingNebraskaBusiness-purpose financingNew HampshireBusiness-purpose financingNew JerseyBusiness-purpose financingNew MexicoBusiness-purpose financingNew YorkBusiness-purpose financingNorth CarolinaOhioOklahomaOregonPennsylvaniaBusiness-purpose financingSouth CarolinaTennesseeTexasVirginiaWashingtonWashington, D.C.Business-purpose financingWest VirginiaBusiness-purpose financingWisconsinWyomingBusiness-purpose financing

Investor metros

Use the exact property’s rents, insurance, taxes and intended occupancy. Metro pages connect the local review with the applicable state and national programs.

DallasTampaAtlantaCharlotteIndianapolisClevelandSan FranciscoSan JoseSilicon ValleyBay Area foreign national investors

Choose the right program within the location

Rental cash flow

DSCR evaluates eligible rent against the property payment. Loan size, score, reserves, investor experience and collateral all affect the result. Foreign national and larger multi-unit properties have separate rules.

Explore DSCR financing

Personal and business income

Prime Time offers standard documentation and six alternative paths. Review bank statements, 1099, P&L, WVOE and asset utilization against the correct occupancy and state limits.

Compare all programs

The actual property

A condo hotel, rural parcel or mixed-use building can have a lower leverage limit or different eligibility than a single-family home. Confirm legal use, appraisal requirements and insurance early.

Explore property types