I find the right loan, so you close the right deal.
Every property deal is different. That’s why I connect investors with the right lenders—offering speed, flexibility, and funding that actually fits the deal.
I find the right loan, so you close the right deal.
Every property deal is different. That’s why I connect investors with the right lenders—offering speed, flexibility, and funding that actually fits the deal.
- UP TO 30-YEAR FIXED
- SOFT CREDIT PULL
- NOT ON CREDIT
- LOW DOC
Specializing in DSCR Financing
Real estate investors need financing that works differently. I focus exclusively on DSCR (Debt Service Coverage Ratio) loans because they qualify you based on your property’s rental income, not your personal tax returns or employment history.
Whether you’re buying your first rental or expanding a nationwide portfolio, I connect you with the right lenders. No income verification. No employment letters. No credit reporting that limits your growth. Just straightforward financing built for investors who want to scale.
Single properties, portfolios, fix and flips. If it cash flows, I can help you finance it.
About Me
Meet
Noah Clough
I’m an independent loan broker specializing in DSCR financing for real estate investors. My job is simple: connect you with the right lender so you can close your deal with confidence.
As an independent broker, I’m not tied to one lender or corporate pipeline. I shop around to find financing that truly fits your situation, which means quicker approvals, better terms, and personalized service from start to finish.
FAQ
Frequently Asked Questions
How does private lending differ from conventional loans?
Traditional lenders—like banks—typically require strict documentation, including proof of income, low debt-to-income (DTI) ratios, and stable employment history. In contrast, private lenders (also known as non-QM lenders) focus primarily on the borrower’s credit score and the income the property generates. That makes private financing especially ideal for self-employed individuals and experienced real estate investors who may not fit the conventional lending mold.
What is the highest loan-to-value (LTV) allowed?
75% for cash-out refinance, 80% for purchase.
Do you offer portfolio loan options?
Yes.
What are the qualification criteria for a portfolio loan?
Properties must each be valued at a minimum of $50,000, and the portfolio must include at least two properties to qualify.
What kind of timeline should I expect for financing?
Expect a 3–4 week timeline from start to finish. Perfect for planning your next acquisition!
Is closing in a trust allowed?
Yes.