With DSCR Kings on your side

It's us vs. the bank.

4.8 · 1,575 client reviews

We build your loan around the guidelines of the banks that offer you the best custom terms. You get a team working for you, start to finish.

Up to 80% cash-out on full ARV, no seasoning
No income or tax returns. The property qualifies.
Business loans that typically don't show up on your personal credit
Entity setup & asset protection
Improved tax strategies with our CPA team
Close in your LLC · vacant OK · STR, MTR, LTR, PadSplit
Credit-partner options when your score isn't there yet

Start your custom termsNo credit pull · 60 sec

We build your loan around the guidelines of the banks that offer you the best custom terms. You get a team working for you, start to finish.

Up to 80% cash-out on full ARV, no seasoning
No income or tax returns. The property qualifies.
Business loans that typically don't show up on your personal credit
Entity setup & asset protection
Improved tax strategies with our CPA team
Close in your LLC · vacant OK · STR, MTR, LTR, PadSplit
Credit-partner options when your score isn't there yet

80%Cash-out on full ARV

0Months of seasoning required

90%Of purchase on flips & BRRRR buys

97%Of the loans we take on fund

4.8 ★★★★★ 1,575 Client Reviews Compiled across review platforms

"My loan process was anything but easy: aggressive deadlines, unexpected bank requirements, and even a denial from the first lender... He immediately pivoted, found a new bank... and get it approved in the final hours, literally saving the deal."

Logan B. · STR purchase, DSCR

"Brian came thru in the 9th inning and hit a home run. I would like to thank Brian and Kim for saving the deal for us in a timely manner."

Terrell S.

"I have worked with Brian for several years. He is knowledgeable, dependable and most of all gets things done when others cannot."

Cameron R.

"I've worked with Brian on two refinances for my investment properties... I feel confident knowing I have someone I can trust getting me the best loans that fit my needs with the best rates."

Enrique T.

"Brian Bowman is the true DSCR king and magician! If you want to get your deal closed go see Brian and his amazing team!"

Steven O.

"Brian especially went above and beyond consistently to close multiple complicated deals."

Pedro S.

"I am a new investor and Brian is very knowledgeable and really held my hand through out the process."

Jennifer G.

"He helped us in ways we wouldn't even have known to ask... and walked us through the steps to get our credit to the best level in order to take advantage of the better options."

Maria R.

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Custom strategy, not a box

Most lenders check if you fit their box. We build your deal to qualify for the best one.

A bank runs your file against its box and sends you whatever comes out. We start with your goal, then build your deal to qualify for the best box and the best terms. Our team knows those guidelines better than most banks do.

Strategy before rate

Yes, rates matter. But if strategy doesn't come first, the rate you get will be worse. We start with your deal, your exit and your next move.

We build it around the guidelines

Structure, entity, credit partner, rents, exit. Built to pass underwriting before it's submitted. That's why 97% of the loans we take on fund.

Best underwriting, matched pricing

Out of 200+ banks and programs nationwide, we pick the top-tier lender with the best underwriting for your deal, then ask them to match the best price out there.

Refinance out on full ARV

Hard money coming due? Get your capital back to work.

Waiting on seasoning stalls your business. We get your equity out fast and back to work in your next deal. Equity trapped in a finished property is a deal you didn't do.

Full ARV, no seasoning

Refinance the day you're out of rehab, on today's value.

Most lenders make you wait 6–12 months.

Up to 80% cash-out

Pull more of your equity out and into your next door.

Most cash-out programs cap at 70–75%.

The right bank for your deal

200+ capital sources matched to your deal, your credit and your exit.

Most lenders have one program and one credit box.

You + DSCR Kings

You alone vs. the bank

Cash-out

USUp to 80%

THEM70–75%

Value used

USFull ARV, the day you're out of rehab

THEMWait 6–12 months after purchase

Credit

USCredit-partner options when your score isn't there

THEMFit the box or don't

Pricing

USTop-tier lenders with great underwriting that match other banks' pricing

THEMChase the lowest rate, live with painful underwriting

Credit pulls

USOne pull, good for 120 days

THEMA new pull on every loan

Options

US200+ capital sources matched to your deal

THEMOne bank, one program

Who you work with

USA strategist on your side of the table

THEMA loan rep protecting the bank

Yes, rates matter. But if strategy doesn't come first, the rate you get will be worse. Your rate depends on your deal: loan amount, prepay, term, property type, DSCR, credit and rental strategy. The cheapest bank often comes with the worst underwriting experience. You get the best of both worlds: great underwriting from top-tier lenders that will match pricing from other banks.

Get Out of Hard Money →

No credit pull · About 60 seconds

The DSCR Kings Super BRRRR

The Super BRRRR: finish the BRRRR without the wait.

Most BRRRRs break at the refinance: 6–12 months of seasoning and a 70–75% cap. We fund both legs, the hard money buy and rehab and the DSCR refi, so your capital comes back out and goes to work again.

BUY

Buy

Hard money up to 90% of purchase.

REHAB

Rehab

Up to 100% of rehab financed, experience-dependent.

RENT

Rent

STR, MTR, LTR or PadSplit. Vacant is okay.

REFI

Refinance

DSCR on full ARV, no seasoning, up to 80% cash-out.

AGAIN

Repeat

Same team, one credit pull good for 120 days.

JUST FUNDED: Short-term rental refinance

Long Pond, PA · bought and rehabbed with hard money · refinanced Oct 2026

Purchase$498K

Renovations$350K

Final value$876K

Cash-out$125K

Rent history neededNoneQualified on AirDNA market data

Appraisal+$100KBank cut the value. We got it back.

Run My BRRRR Refi →

No credit pull · About 60 seconds

Brian Bowman on the dock with his daughter and son — Investor. Family man. Strategist.Brian Bowman, Founder & Lead Strategist

Built by an investor. For investors.

Any bank can give you a loan. You need a strategist.

Brian Bowman is an investor first. He's a family man who loves to fish, dive and surf, all while building a multi-million-dollar rental portfolio of his own. Add 30+ years in mortgage and investor lending, and he looks at your deal the way an investor does: leverage, cash flow, risk, and how you get to the next one.

With DSCR Kings, you get a team working for you. Our team knows the underwriting guidelines better than most of the banks writing them, so we build your deal to close before it's submitted.

You won't be sold to five lenders and flooded with calls. One team, start to finish, led by Brian and Charity.

Brian Bowman and Charity Bowman of DSCR Kings — **The King and Queen behind the mission.** Brian & Charity Bowman lead the DSCR Kings team.

30+Years in mortgage & investor lending

97%Of the loans we take on fund

200+Capital sources to match your deal

4.8★Across 1,575 client reviews

Deal structuring

More leverage and creative structures that close deals other lenders couldn't.

Credit solutions

Credit-partner options when your score isn't there yet.

Asset protection

LLC setup and anonymity structuring. We prepare your corporate resolutions.

Appraisal strategy

Brian's "Virtual Money Tree" approach to protect your value on a full-ARV refi.

STR expertise

We finance and operate short-term rentals: pricing, orphan nights, occupancy.

Tax-smart scaling

Improved tax strategies and cost segregation with our CPA team.

Our actual team, not a referral list. You get access to the same CPAs, real estate attorneys, entity structuring and cost segregation specialists Brian uses for his own portfolio. No referral fees.

Typical lender

DSCR Kings

A rate quote

A strategy for your portfolio

One program

Creative structure, lenders competing for you

Hand-off between reps

One team, start to finish

A referral list

Our own team

Talk Strategy on My Deal →

"He spent a lot of time going over different options and strategies for my rental property refi." ★★★★★ HOWARD S.

Loan programs

Pick your play.

First door or fiftieth. Every program closes in your LLC.

DSCR

The property qualifies. You don't have to.

Up to 80% cash-out on full ARV, no seasoning
Up to 85% LTV on purchases
STR, MTR, LTR and PadSplit. Vacant OK
Credit-partner options available

See all benefits

Actual or market rents
No-ratio and 0.75 DSCR options
May not report to personal credit
Scale past the 10-financed-property limit

Get My DSCR Numbers

"Helped with a DSCR refi!! Was amazingly easy and went super smooth!!" ★★★★★ GILLIAN J.

Hard Money

Leverage on the buy. Leverage on the rehab.

Up to 90% of purchase
Up to 100% of rehab financed
Close in as few as 7 days when the deal is right
Built-in exit: DSCR refi on full ARV

See all benefits

$150K–$5MM loan amounts
1–4 unit residential
No experience required on select programs
600 minimum FICO
1–2 year terms
Pricing discounts for experienced investors

Fund My Flip

"I had a project in Florida that I was having a hard time funding... funded my project very quickly. As soon as I was ready to refinance, Brian worked quickly to get our deal closed." ★★★★★ ROD R.

Bridge

Close fast now. Refinance on your terms.

Close fast, stabilize, then refinance
Up to 75% cash-out on bridge refinance
Pay off a maturing loan
Pull equity for your next deal

See all benefits

1–4 unit residential
Clean exit into a 30-year DSCR loan

Get My Bridge Terms

"When all said no. BRIAN found a way." ★★★★★ PAVEL C.

Easy as 1, 2, 3

Send us your deal info

About 60 seconds. No credit pull, no risk.

Strategy call

We map your goal and build your deal to qualify for the best terms.

Choose the best bank & terms, then fund

Pick the bank with the best terms for your situation and close. Many loans close in about 30 days.

Get My Custom Terms

No credit pull · About 60 seconds

Who this is for

First door or fiftiethPrograms for new and seasoned investors

W-2 or self-employedThe property's rent does the qualifying

LLC or not yetWe'll help you set it up right

STR · MTR · LTR · PadSplitEvery rental strategy

Investor FAQ

Straight answers

Do I need to season the property before a cash-out refi?

No. On approved DSCR refinances we can use full ARV with no seasoning, up to 80% cash-out, even if you just finished the rehab.

Can I close in my LLC?

Yes. Every program closes in your LLC, corporation or partnership. If you don't have one yet, we'll help you structure it, and we prepare the corporate resolutions.

Can the property be vacant?

Yes. Vacant properties are allowed. We can use market rent from the appraisal or your actual lease, whichever fits the deal.

What DSCR ratio do I need?

Programs go down to a 0.75 DSCR, and no-ratio options are available. We'll show you which one fits your rents and your goals.

My credit isn't where I want it. Can I still do this?

Often, yes. Credit-partner options let a partner with stronger credit join the deal, and some programs start at a 600 FICO.

Will the loan report to my personal credit?

Business-purpose loans may not report to your personal credit. It depends on the lender and servicer, and we'll tell you up front.

How fast can I close?

Initial approvals often come within 24–48 hours, and many loans close in about 30 days. Hard money can close in as few as 7 days when the deal is right.

What happens after I fill this out?

Our team personally reviews your deal, then we get on a quick strategy call. That's where we map the structure and start building your custom terms. No credit pull to get started.

Your next door starts here

Send us your deal. We'll find its best terms.

Out of 200+ banks and programs nationwide, we make sure you land with the best bank and terms for your situation.

Get My Custom Terms

No credit pull · About 60 seconds