Capital programs for investors and business owners.

DSCR Loans

Qualify the investment on rental income.

Debt Service Coverage Ratio loans are for non-owner-occupied investment property. Lenders evaluate whether the asset’s rental income can support the payment, rather than treating the file as a consumer mortgage. These programs are not available for a primary residence or other owner-occupied housing. Residential home loans are originated only through GenNext.Mortgage® [NMLS 2326098].

• Non-owner-occupied investment property only
• Underwriting focused on property cash flow, not a consumer W-2
• Illustrative LTVs on qualifying assets, where offered
• Fixed, ARM, and interest-only structures may be available
• Short-term rental income considered only on eligible investment files

Fix & Flip

Capital structured around the project and the exit.

Bridge-style financing for purchasing, renovating, and exiting investment property. Structured around after-repair value, timeline, and a defined business exit — sale or refinance — not a consumer home-loan file. Occupancy as a primary residence is not eligible. Owner-occupied purchase or refinance belongs at GenNext.Mortgage® [NMLS 2326098].

• Non-owner-occupied projects only
• Purchase and rehab structures on qualifying files
• Terms commonly measured in months, not a 30-year consumer mortgage
• Renovation draws where the lender program allows
• Not a consumer or owner-occupied mortgage product

Commercial Real Estate

Income-producing commercial assets.

Financing for income-producing commercial real estate: multifamily (5+ units), mixed-use, retail, office, industrial, and self-storage. Used for acquisition, refinance, and recapitalization. We match the asset and deal size to a commercial structure — bridge, mini-perm, or permanent — rather than a consumer residential product.

• Multifamily, mixed-use, retail, office, and industrial
• Loan size matched to the commercial asset, where a program is offered
• Bridge, mini-perm, and permanent structures
• Interest-only periods on selected transitional assets
• Not owner-occupied residential financing

SBA 7(a) & 504

Government-backed programs via participating lenders — not a consumer home loan.

We help business owners evaluate whether an owner-user commercial real estate file may fit SBA 7(a) or 504 structures, then arrange financing through participating lenders. GennieMac® Capital is not the U.S. Small Business Administration, is not a government agency, and does not claim SBA endorsement. Eligibility, terms, and lender participation are determined by the SBA and the participating lender — not guaranteed by this website. This is not a residential mortgage product.

• Owner-user commercial real estate, not a primary residence
• 7(a) and 504 structures where a participating lender will consider the file
• Longer amortizations may be available on eligible commercial real estate
• Acquisition, refinance, and construction uses as the program allows
• Not affiliated with or endorsed by the U.S. Small Business Administration

Short-Term Rental

Investment STRs — not a second home or vacation mortgage.

Programs that evaluate short-term rental performance on non-owner-occupied investment property in STR-permitted markets. Income may be supported by actual performance or market data. This is not a second-home, vacation, or owner-occupied consumer mortgage. If you will occupy the property as a residence, that inquiry belongs with GenNext.Mortgage® [NMLS 2326098].

• Non-owner-occupied investment property only
• STR income considered where the lender program allows
• Single-family, condo, and small multifamily investment assets
• Not a second-home or primary-residence product
• Subject to local STR rules and lender guidelines

Bank Statement

Alternative documentation for business-purpose files.

For self-employed investors and business owners whose tax returns do not reflect operating cash flow. Qualification may use 12 or 24 months of deposits on a business-purpose investment or commercial file. This is not a consumer bank-statement mortgage on a primary residence. Owner-occupied residential bank-statement loans are originated only through GenNext.Mortgage® [NMLS 2326098].

• Investment and commercial property only
• 12 or 24 months of deposits on programs that allow them
• Personal or business accounts may be used where permitted
• Not a consumer or owner-occupied mortgage product
• Illustrative loan sizes on qualifying business-purpose files

Investment Cash-Out

Investment equity — not a consumer cash-out refinance.

Extract equity from existing non-owner-occupied assets and redeploy it into acquisitions, renovations, reserves, or other eligible business purposes. Often structured to the property’s income. Cash-out of a primary residence or other owner-occupied dwelling is a residential mortgage and is originated only through GenNext.Mortgage® [NMLS 2326098].

• Non-owner-occupied assets only
• Use of proceeds limited to eligible business purposes
• May underwrite to DSCR on qualifying investment files
• Single-family rental, multifamily, and commercial considered
• Not a consumer cash-out on a home you live in

Bridge / Hard Money

Speed and collateral — not a consumer mortgage.

Shorter-duration, asset-based lending for time-sensitive acquisitions, transitional assets, and files where permanent commercial financing is not yet available. Collateral and exit strategy drive the file. This is business-purpose financing. It is not a consumer home loan and is not available for owner-occupied residential use.

• Business-purpose and investment collateral only
• Underwriting focused on asset value and exit, not a consumer income file
• Shorter terms, commonly measured in months
• Bridge-to-permanent strategy on qualifying commercial files
• Not an owner-occupied or consumer mortgage product

New Construction

Capital for the project from dirt to delivery.

Financing for ground-up construction and heavy rehab on non-owner-occupied investment or commercial property. Structured around budget, timeline, and a defined exit — sale, refinance, or lease-up — not a consumer construction-to-perm home loan. Owner-occupied residential construction is originated only through GenNext.Mortgage® [NMLS 2326098].

• Non-owner-occupied and commercial projects only
• Ground-up, spec, and build-to-rent on qualifying files
• Draw schedules where the lender program allows
• Bridge-to-permanent strategy after certificate of occupancy
• Not a consumer or owner-occupied construction mortgage