Bypass personal tax returns, W-2s, and DTI limits. Secure institutional leverage across 13 private wholesale desks qualified strictly on asset cash flow and equity.
Tailored loan structures designed for single properties, commercial multi-family, and specialized investor profiles.
Core long-term debt for buy-and-hold SFRs, 2-4 units, condos, and short-term rentals.
Commercial balance-sheet loans for small-balance apartment communities.
No US SSN or ITIN required. Qualified strictly on passport and asset cash flow.
Tailored for ITIN holders building rental property portfolios across the US.
A DSCR loan is an asset-based mortgage where qualification is based strictly on the property's gross rental income versus the total monthly mortgage payment (PITIA), rather than personal W-2s, tax returns, or DTI limits.
To issue an official soft-quote/term sheet within 24 hours, our desk only requires a basic application, subject property address, purchase agreement or lease/rent roll, and sponsor experience background.
Yes. Every transaction originated through Oak & Iron Lending is strictly business-purpose debt and must close under an LLC, Corporation, or LP.