Real Estate Investment Lending

Your trusted partner for real estate investment financing.

Tailored loan programs for both experienced and inexperienced investors, backed by close relationships with the nation's top secondary investors and family offices.

Lending in 40 states
Experienced and first-time investors welcome
Direct secondary investor access

Built for investors

Programs designed around the deal, the property and your experience, not a salaried borrower profile.

Capital relationships

Close ties with the nation's top secondary investors and family offices, so pricing stays competitive.

Answers when you call

A team that stays reachable through closing, keeping every party informed and the file moving.

Loan Programs

Financing for every stage of the deal.

From a single rental to ground-up development, with terms built around the asset and your track record.

Rentals

Specialized loans to support property investment and income-generating ventures. Our tailored DSCR loans offer flexible terms and competitive rates to help you achieve your real estate goals.

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Rehab & Construction

Short-term, asset-based loans that fund rehab and new construction projects, secured primarily by the borrower's credit score, experience and the property's projected value rather than income.

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Portfolio

Long-term loans that use the rental income of multiple properties to qualify, letting investors consolidate several assets under a single loan based on their collective debt service coverage ratio.

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Multi-Family & Commercial

Long-term or short-term, asset-based loans used to finance commercial or multi-family properties with five or more units, based on the property's value and income potential.

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Development

Land acquisition, horizontal and vertical construction of five or more residential units. Financing from horizontal development through vertical construction for highly experienced sponsors.

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Not sure which fits?

Tell us about the deal and we will match it to a program, give you preliminary terms and take it from there.

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Our Process

Four steps to fund your next deal.

A clear path from first call to wire, with the same team on your file the whole way through.

STEP 01

Contact Us

  • Discuss the deal
  • Preliminary terms
  • Collect the application
STEP 02

Documentation

  • Credit & background reports
  • Appraisal report ordered
  • Entity docs, bank statements
  • Experience, scope of work
STEP 03

Review

  • Deal economics
  • Appraisal report
  • Max LTV, CLTV or ARLTV
  • Scope of work
STEP 04

Funding

  • Prepare loan docs
  • Title and attorneys
  • ACH closing
  • Fund the deal
Our Story

Capital, relationships and a team that answers.

DESCO Financial is committed to providing tailored loan programs for both direct real estate investors and loan brokers. We have close relationships with the nation's top secondary investors and family offices, allowing us to provide the most competitive financing solutions in the market.

At DESCO Financial, we prioritize customer support and aim to assist our clients in achieving their financial goals efficiently and effectively.

Talk to our team
Testimonials

What our clients say.

Had a great experience with Desco. They were extremely knowledgeable and always there for me during the closing process for all my questions. They were very attentive and I can't speak highly enough of this team. Thank you for all your help!

JerryReal Estate Investor

I recently worked with Desco Financial on a refinance for one of my clients, and the experience was excellent from start to finish. Their team was responsive, knowledgeable, and kept everyone informed throughout the entire process, which made the transaction smooth and efficient.

AdinReal Estate Broker

Outstanding service, extremely knowledgeable and went above and beyond in service. I have worked with many companies over the years and I can say that they are hands down the best to work with. Extremely professional and easy to work with.

PeterReal Estate Investor

Ready to fund your next deal?

Apply online in minutes, or call and talk it through with us first.