5.0 on Google Private mortgage banking · For real estate investors

Capital that moves at the speed of the deal.

Rental (DSCR), fix & flip, bridge and ground-up construction — qualified on the property, not your tax returns, and built to close fast. One partner from purchase to permanent.

Start your application Generate your term sheet in seconds Open the Investor Suite
Instant terms No credit pull to check your rate Nothing to sign
Term Sheet · Indicative Live
SUBJECT · Fix & Flip · Single-family · Purchase $300,000 · Rehab $75,000 · ARV $500,000
Loan amount$348,750
Note rate7.50%
Origination1.25 pts
Loan-to-cost93.0%
Est. monthly (IO)$2,180
Illustrative best-case example — indicative only, a proposal and not a commitment to lend. Open the full studio →
Ask about no closing cost options
Zero points on eligible Fix & Hold renovation loans
Deferred origination fees on Fix & Flip — less cash upfront
Sharp pricing across Non-QM programs
Prepay as low as 1% fixed on eligible scenarios
DSCR rental 0 30-yr fixed — qualify on the property's cash flow*
Closing costs $0 options on select DSCR programs — keep your capital*
Speed 0 from signed app to funded — move like cash
Fix & flip 0 + 100% of renovation financed in draws*

*Business-purpose, investment (non-owner-occupied) loans only. The figure shown is a representative interest rate — not an APR — for a 30-year fixed DSCR loan to a well-qualified borrower, as of Q3 2026. Your rate, and any $0-closing-cost or zero-point option, depend on loan type, credit (FICO), LTV/LTC, DSCR, property type, occupancy, loan amount, points elected, prepayment structure and state, and may be higher. Leverage shown is a maximum, set by experience and credit and capped by property value/ARV. Funding timelines vary by deal, title and third-party turnaround. Indicative only — subject to full underwriting; not a rate lock, offer, or commitment to lend.

Investor-first execution

Direct lending built for speed, clarity and repeatable closings.

Rental (DSCR) financing is the core of what we do — and we build every other program around it. Send us the deal and we map structure and pricing to your scenario, fast.

01

Underwritten on the asset

We qualify the deal on the property's cash flow and value — not your tax returns. Real decisions on real investor scenarios.

02

One partner, purchase to permanent

Bridge or flip to acquire and renovate, then refinance into a 30-year DSCR to hold. One relationship for the whole cycle.

03

Certainty of execution

Fast turn times, clear conditions and a team that answers the phone — from term sheet through funding.

01Financing

One partner, from purchase to permanent.

Rental (DSCR) is our core — and we finance the full lifecycle around it: acquire, renovate, build and hold, structured on the property and closed on your timeline.

Flagship · DSCR Rental

Qualify on the property's cash flow.

No tax returns, no W-2s. 30-year fixed, ARM and interest-only — on purchases, refinances and cash-out. 1–4 units, LLC-friendly, single property or portfolio.

Price my DSCR deal →
Purchase & R/T85% LTV
Cash-out80% LTV
Structure30-yr fixed · ARM · IO
DocsNo income docs
02

Fix & Flip

Up to 95% of purchase and 100% of renovation, released in draws as work is verified. Built to buy, renovate and resell.

Up to 95% LTC
03

Bridge

Fast, asset-based financing to acquire or stabilize now and refinance or sell later. Limited docs — compete with cash.

Close fast
04

Ground-Up Construction

Land and vertical financing for residential and small-multifamily builds, with flexible draw schedules.

Ground-up
05

Multifamily

Financing for 5+ unit properties — structured as bridge, DSCR or term to match your business plan.

5+ units
06

No-Ratio DSCR

No cash-flow test required — a fit for lease-up, value-add or short-term vacancy on non-owner-occupied property.

No ratio
07

Home Equity & HELOC

Tap investment-property equity — a fixed closed-end second or a revolving line — while keeping your existing first in place.

Keep your 1st
08

Bank Statement

Qualify on 12–24 months of bank deposits instead of tax returns — built for self-employed investors.

12–24 mo
09

Conventional Investment

Conforming Fannie / Freddie financing for qualified investors with verifiable income — competitive fixed rates.

Agency terms
02The Investor Suite

Price the deal before you call anyone.

A working desk of investor tools — instant term sheets, deal analysis and scenario comparison. No credit pull, nothing to sign.

01

Term Sheet Studio

A signable, dual-program term sheet — structure, pricing and cash-to-close — in about a minute.
02

Deal Analyzer

Full rental underwriting — cap rate, cash-on-cash, DSCR, debt yield and break-even.
03

Flip Analyzer

Project cost, holding, profit and annualized ROI on a fix & flip — line by line.
04

Rehab Budget

Build a lender-ready scope of work with category templates and a live contingency.
05

Portfolio Tracker

Equity, cash flow, LTV and DSCR across every property on one dashboard.
06

Track Record

Turn completed deals into a verified experience record that lifts your leverage tier.
Open the full Investor Suite →
Program highlights

Leverage that works as hard as you do

95% LTV
+ up to 100% LTC

Fix & Flip Construction

Purchase plus rehab financing built for speed on qualifying projects.

Terms vary by experience, asset type and scenario.
85%
purchase & rate / term

DSCR Purchase & R/T

Built for long-term rental strategies on qualifying purchases and refinances.

Guidelines vary by DSCR, credit and property profile.
80%
cash-out

DSCR Cash-Out Refi

Access equity without income documentation on qualifying properties.

Restrictions may apply by seasoning and rent type.
5.875%
DSCR pricing from

Rates & Pricing

Sharp starting pricing for well-qualified scenarios. Ask for a quick quote on your deal.

Representative interest rate (not an APR) for a well-qualified 30-yr fixed DSCR loan, business-purpose only, as of Q3 2026. Your rate varies by FICO, LTV, DSCR, property type, loan amount and state.
Pricing feature

Flexible prepayment options

On certain scenarios, prepayment can be structured as low as 1% fixed for up to 5 years. Availability varies by program — ask us about additional structures tailored to your deal.

Ask about prepay
03How it works

Quote in seconds, approved fast, funded through close.

Asset-based underwriting means no tax returns or W-2s — and a path measured in weeks, not months.

1

Price it instantly

Run the Term Sheet tool — leverage, rate and cash-to-close in seconds. No credit pull.

2

Apply & get terms

Submit the property and your goal. We issue a signable term sheet matched to your scenario — fast.

3

Underwrite & appraise

Asset-based review of the deal and your scope of work — no tax returns or W-2s required.

4

Close with confidence

Clear docs, responsive comms, and funding in as little as two weeks from a signed application on eligible deals; timelines vary by title and third parties.

5

Draw & build

100% of rehab is financed and released in draws as work is verified — managed by a dedicated draw coordinator.

Meet our team

The people behind the yes

Real people who pick up the phone. Sales, processing and closing under one roof — coordinators who treat every file like it's their own deal.

20+ specialists in-house Sales · Processing · Closing One team, application to funding

Moshe Mermelstein

Loan Coordinator

Ext 106 · Direct 718-247-8706

Cell 929-214-7102

Moshe@yscapgroup.com

Shia Kaff

MLO & Loan Coordinator

NMLS #2723073

Ext 107 · Direct 718-247-8707

Cell 718-501-5654

Shia@yscapgroup.com

Joshua Friedlander

MLO & Loan Coordinator

NMLS #2762861

Ext 108 · Direct 718-247-8708

Cell 347-768-4596

Joshua@yscapgroup.com

Solomon Weiss

Loan Coordinator

Ext 114 · Direct 718-307-4314

Cell 929-486-3939

Sol@yscapgroup.com

Operations

Client experience

What our clients say

Rated 5.0 · real, verified Google reviews Read them on Google →
YS Capital is the best direct lender I've ever dealt with! Fast and efficient — it's worth the try, you won't regret it!
Verified Google review
Good to know

Frequently asked questions

What is a DSCR loan?

A DSCR (debt-service-coverage-ratio) loan qualifies on the property's rental cash flow — not your personal income. No tax returns, no W-2s. It's the standard way investors finance long-term rentals: 30-year fixed, ARM and interest-only options on purchases, rate-and-term and cash-out refinances, held in an LLC. Rental (DSCR) financing is the core of what we do.

What kinds of loans does YS Capital offer?

Business-purpose financing for real estate investors: fix & flip, fix & hold, ground-up construction, and bridge — on purchases, rate-and-term refinances and cash-out refinances — plus DSCR rental and Non-QM options for long-term holds. Non-owner-occupied 1–4 unit residential.

How fast can you close?

You can generate a signable term sheet in seconds with our online tool, and we close many deals in as little as two weeks from a signed application (actual timelines vary by deal, title and third-party turnaround) — fast enough to compete with cash buyers, auctions and wholesale contracts.

How much can I borrow?

On fix & flip, up to 90% of the purchase price and 100% of the rehab budget (released in draws), with the total capped at up to 75% of the after-repair value and up to 92.5% loan-to-cost. Your exact leverage is set automatically by your experience and credit — run the Term Sheet tool to see your numbers.

Do I need a minimum credit score or prior experience?

We work with a representative FICO from 600 and welcome first-time investors. More experience and a higher score unlock higher leverage and sharper pricing — but everyone qualifies on the strength of the deal, not just the borrower.

How does the rehab / construction draw process work?

Your rehab budget is financed in a holdback at closing and released in draws as work is completed and verified, with a dedicated draw coordinator keeping funds moving with the project. Because draws reimburse work after it is verified, confirm draw timing, draw requirements, and any upfront working-capital needs with your loan officer.

What documents do I need?

Because these are asset-based, business-purpose loans, there are no tax returns or W-2s. Typically: your borrowing entity docs, ID, the purchase contract, a scope of work / rehab budget, and bank statements showing funds for down payment and reserves.

Are these consumer mortgages?

No. All YS Capital lending is business / investment-purpose on non-owner-occupied property — not consumer credit. A personal guaranty and first-lien position are standard.

How do I get a term sheet?

Use the Term Sheet generator for an instant, branded term sheet with your leverage, rate, payment and estimated cash-to-close — no credit pull. Then start your application and a loan officer will confirm the details.

Still have a question? Ask our team Get your term sheet
Get in touch

Talk to a real person

Message, call, or email — a loan officer (not a bot) gets back to you fast.

WhatsAppChat with us now — fastest reply Call us718-831-2168 · Mon–Fri Emailsales@yscapgroup.com

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Ready to move fast?

Send us the deal. We'll send back the structure.

Email a quick summary and we'll respond with the best option for your scenario — or start your application now.

Apply for financing Term sheet in seconds Get a Quote
Current borrowers

Already funded with us? Request a draw.

Submit a draw request, upload your photos and invoices, and track each release in our secure online draw portal.

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