Underwrite Your Deal Before a Lender Does

Traditional banks underwrite the borrower. Private lenders underwrite the asset. That difference determines how fast a deal closes — and whether it closes at all.

• Speed: Term sheets in 24–48 hours of complete documentation. Closings in 10–21 days. Banks take 30–60+ days on deals they'll ultimately decline.
• Flexibility: Loan structures are built around the specific asset, business plan, and exit — not off a rate sheet. The deal drives the terms, not the other way around.
• Certainty: Rate and terms locked at commitment. No last-minute condition creep. No re-trades at the closing table. What we quote is what closes.
• Access: Non-warrantable condos, land, construction, renovation, portfolio refinance — asset classes banks won't touch get funded through private credit.

Each loan program is structured for specific property types, borrower profiles, and deal types. Choose based on your exit strategy and timeline.

Core Loan Products Available

• Investment Property Loans – Ideal for acquiring multi-unit residential and commercial properties. Focus on cash flow and debt service coverage ratio (DSCR).
• DSCR Rental Loans – Purpose-built for investor portfolios with rental income. Rates based on property cash flow, not personal credit.
• Cash-Out Refinance – Extract equity from existing properties to fund acquisitions, renovations, or capital redeployment. Fast underwriting and competitive rates.
• Non-Warrantable Condo Loans – Financing for condos that don't meet standard mortgage criteria (investor-heavy, commercial first-floor units, etc.).
• Vacant Land Loans – Construction financing for raw land development, with proceeds tied to development milestones.
• Second Mortgages – Junior lien financing to access equity without triggering refinance of primary mortgage.

The right program depends on your asset type, investment timeline, and capital needs. Our loan officers review your situation and recommend the structure that maximizes your returns while minimizing execution risk.

The Debt Service Coverage Ratio (DSCR) is one of the most important metrics in commercial real estate financing. It measures a property's ability to generate enough cash flow to service its debt, and directly impacts loan approval, interest rates, and borrowing capacity.

What DSCR Measures

DSCR is calculated as:

Net Operating Income (NOI) ÷ Annual Debt Service = DSCR

In practical terms, it answers the question: "For every dollar of debt the property must pay annually, how many dollars of net income does it generate?"

DSCR Benchmarks and What They Mean

• DSCR 1.0 or below – Property generates insufficient cash flow to cover debt payments. Seen as higher risk by traditional lenders.
• DSCR 1.0 – 1.25 – Breakeven to modest positive cash flow. Many institutional lenders require minimum 1.15–1.25.
• DSCR 1.25 – 1.5 – Strong cash flow generation with buffer for operating expense fluctuations. Favorable underwriting.
• DSCR 1.5+ – Excellent cash flow generation; property generates significant surplus income beyond debt obligation.

At TRI-GLOBAL EQUITIES, we understand that property performance varies by market cycle, seasonality, and business plan. We work with you to structure financing around your property's actual cash flow and forward-looking income projections, not just historical numbers.