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DSCR LOANS AND RENTAL LOANS FOR INVESTORS




No Tax Returns or Income Verification Required

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Tower Lending qualifies you based on the property’s equity rather than your
personal income. In most cases, we simply review credit, order an appraisal,
review title work, and schedule your closing.

This simple underwriting approach is what truly sets us apart from the
competition. We offer both short-term and long-term DSCR Loans.




ALTERNATIVE LENDING FOR INVESTORS SINCE 2011



Commercial & Residential Business Purpose Mortgages



DSCR LOANS



Non Recourse options without any income verification or Income documentation.
DSCR Loans with asset-based underwriting for real estate investors. Loans are
closed quickly thanks to a streamlined underwriting process that is primarily
based on the appraisal and clear title. These are true DSCR loans for investors
looking for a streamlined process.


APPLY NOW

FAST 24-HOUR BUSINESS LOANS



Business Credit lines and working capital loans are funded in 24 hours. We look
at the last 90 days of average deposits in your business bank account to
determine the loan amount. Fast and easy process.


APPLY NOW

VACATION RENTAL FINANCING



Unique solutions for vacation rentals allow the daily rental income to be used
when calculating the property’s debt service. This means you receive a true DSCR
loan without the headache of full doc financing.


APPLY NOW


LOAN PRODUCTS



Creative solutions for real estate investors with a focus on streamlined
underwriting without the need for income documentation.



 * COMMERCIAL LENDING
   
   NUMEROUS CREATIVE LENDING OPTIONS FOR VARIOUS ASSET CLASSES
   
   Tower Lending finances a large variety of property types and offers creative
   solutions. Most of our products are considered “No Doc” Mortgages since we
   focus on the asset and do not require personal income documentation for
   approval
   
   Tower Lending finances a large variety of property types and offers creative
   solutions. Most of our products are considered “No Doc” Mortgages since we
   focus on the asset and do not require personal income documentation for
   approval

 * RESIDENTIAL INVESTOR LENDING
   
   "NO DOC" RENTAL LOANS WITHOUT TAX RETURNS
   
   Rental Loans are our speciality. We offer single family real estate investors
   creative long term (and short term) financing options without the need for
   providing invasive personal income documentation or tax returns.
   
   Rental Loans are our speciality. We offer single family real estate investors
   creative long term (and short term) financing options without the need for
   providing invasive personal income documentation or tax returns.

 * MULTI-FAMILY LENDING
   
   CREATIVE LENDING OPTIONS WITH FLEXIBLE UNDERWRITING
   
   Our multi-family and apartment building financing options offer a longer term
   than our competitors along with flexible underwriting and low interest rates.
   
   Our multi-family and apartment building financing options offer a longer term
   than our competitors along with flexible underwriting and low interest rates.

 * BUSINESS LOANS AND LINES OF CREDIT
   
   UNSECURED WORKING CAPITAL AND LINES OF CREDIT APPROVED IN 24 HOURS
   
   Tower Lending now offers business lines of credit based on your gross
   deposits over the last 90 days. This is a fast and easy approval process that
   isn’t secured by real estate and is just based on your business revenue.
   
   Tower Lending now offers business lines of credit based on your gross
   deposits over the last 90 days. This is a fast and easy approval process that
   isn’t secured by real estate and is just based on your business revenue.

 * HOTEL FINANCING
   
   HOSPITALITY FINANCING ALLOWING FOR PACE, USDA, SBA, AND OTHER CREATIVE
   SOLUTIONS
   
   Tower Lending offers hospitality financing for flagged hotels that utilizes
   PACE, USDA, SBA, and other creative solutions.
   
   Tower Lending offers hospitality financing for flagged hotels that utilizes
   PACE, USDA, SBA, and other creative solutions.

 * LIGHT INDUSTRIAL / WAREHOUSE / OFFICE
   
   SEVERAL PROGRAMS ALLOWING UNIQUE FLEXIBILITY ON OCCUPANCY AND DEBT SERVICE.
   
   Tower Lending offers “No Doc” Mortgage programs with unique flexibility on
   occupancy. debt service, and income documentation.
   
   Tower Lending offers “No Doc” Mortgage programs with unique flexibility on
   occupancy. debt service, and income documentation.




OUR LENDING PHILOSOPHY



We believe commercial lending should involve a common sense approach to
underwriting that allows for creative flexibility in all areas. It’s our belief
that asset based lending should focus primarily on the subject property rather
than an invasive look into the borrowers personal financial situation.






TESTIMONIALS



Don’t take our word for it



My vacation rental was denied financing at three different lenders because it
was in a rural location and the monthly rental rate didn’t meet the guidelines.
Tower offered a creative loan product that used the daily rental rate and
resulted in an unusually quick approval.

MichaelVacation Rental Owner

I needed financing for a large number of rental properties since my local bank
wasn’t willing to renew my loan. Tower Lending didn’t ask for income documents
and basically provided a mortgage that my bank couldn’t.

Frank Rental Portfolio Owner
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WHY TOWER LENDING?



Tower Lending is the nation’s #1 provider of DSCR Loans for investment
properties. We qualify you based on the property’s equity rather than your
personal income. In most cases, we simply review credit, order an appraisal,
review title work, and schedule your closing!

This simple underwriting approach is what truly sets Tower Lending apart from
the competition. We offer both short-term and long-term mortgage products.




SOME OF THE PROPERTIES WE’VE FINANCED



Tower Lending has financed various asset classes throughout the United States.





WHY CHOOSE TOWER LENDING?



We have DSCR loans for both short-term and long-term financing that is
asset-based and has a streamlined underwriting process.




We believe commercial lending should use common sense when underwriting a deal.
The center of our philosophy is based on asset based lending that isn’t limited
to short term options. Most asset based lenders will only offer short term
financing with a very high cost of capital. Tower Lending offers long term
financing options with an underwriting approach that rivals the streamlined
process of short term private lenders. This is why we’ve been the nation’s
leading provider of DSCR loans since 2010.






PRE-QUALIFY IN JUST 2 MINUTES AND SEE WHAT TERMS WE CAN OFFER YOU





Click here to SMS Text us 707-27-TOWER





Tower Lending © Copyright 2011 - 2023. Tower Lending originates loans under 12
CFR 1024.5 (b)(2) Business purpose loans that are exempt from coverage under
RESPA as defined by 12 CFR 1026.3 (a)(1) of Regulation Z. Loans only apply to
residential, non-owner occupied properties. Rates, terms and conditions offered
only to qualified borrowers, may vary upon loan product, deal structure,
property state or other applicable considerations, and are subject to change at
any time without notice, shall only constitute a general, non-binding expression
of interest on the part of Tower Lending, do not create any legally binding
commitment or obligation on the part of Tower Lending, and are expressly subject
to Tower Lendings credit, legal and investment approval process. Closing times
are in business days and commence upon receipt of appraisal payment and
satisfaction of borrower conditions. Closing times may be delayed due to
appraiser property access limitations or availability in certain markets. Tower
Lending 8 The Green Suite #10105, Dover DE 19901
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