Question 1

How is DSCR calculated?

Accepted Answer

Monthly rent divided by monthly principal, interest, taxes, insurance and HOA. 1.20 or higher is strong; 1.00–1.19 still works; below 1.00 we structure around it.

Question 2

Can I close in an LLC?

Accepted Answer

Yes, and most investors do. We lend to entities and individuals on non-owner-occupied properties only.

Question 3

Do you finance short-term rentals?

Accepted Answer

Yes. We can underwrite to market rent or documented STR revenue depending on the market.

Question 4

Can I refinance a flip into a rental loan?

Accepted Answer

That is the BRRRR play and we do it constantly. One underwriter follows you from bridge to permanent.

Question 5

What is the minimum credit score?

Accepted Answer

660 is our minimum FICO for most programs, and 680 on ground-up construction. Scores between 620 and 659 are still worth a call — a strong deal, real experience or extra equity can offset a thin score.

Question 6

How fast can I close?

Accepted Answer

Closing timing depends on your file, property documentation and title work. You get terms within hours of applying because the underwriter reviewing your file is in our Austin office.

Question 7

Do I need tax returns?

Accepted Answer

No. Curlee Capital does not require tax returns, W-2s, pay stubs or employment verification on any investor program — we underwrite the property, your liquidity and your track record.

Question 8

What is the maximum loan amount?

Accepted Answer

$5,000,000 is our maximum loan amount, and $100,000 is our minimum. Requests above $5M are handled case by case through our capital-markets partners.

Question 9

What LTV do you lend to?

Accepted Answer

Fix & flip leverage is capped at 75% of ARV for 5+ deals completed in the last 24 months; 70% otherwise. The indicative tier is based on experience only, not credit. We advance up to 90% of purchase and 100% of rehab within your tier limit and our $5M maximum. Final leverage is set by underwriting. Rental, bridge and construction have their own program-specific value limits.

Question 10

Do you fund first-time investors?

Accepted Answer

Yes, first-time investors get funded regularly. Expect pricing at the higher end of the range and slightly reduced leverage on the first deal, with better terms as you build a track record with the same underwriter.

Question 11

Which states do you lend in?

Accepted Answer

We lend in 15 states plus Washington DC: Texas, Florida, Tennessee, Georgia, Alabama, Arkansas, North Carolina, South Carolina, Missouri, Kentucky, Mississippi, Virginia, Pennsylvania, Ohio and Louisiana.

Question 12

Is there a prepayment penalty?

Accepted Answer

There is no prepayment penalty on our short-term programs — pay off the day you sell and you only owe interest for the days you used the money. DSCR rental loans offer step-down options including zero-prepay pricing.

Question 13

Do you pull credit?

Accepted Answer

Soft credit pull only. We never pull hard credit or affect your score at any stage.

Term	30-year fixed, 5/1 and 7/1 ARM available
Rate	Call for today's pricing
Max LTV	Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor.
Minimum DSCR	1.0 (sub-1.0 considered case by case)
Minimum FICO	660
Minimum asset value	$100,000
Income verification	None — property cash flow only
Entity	LLC or personal, unlimited properties
Prepayment	Step-down options, including zero-prepay pricing

Rental loans that qualify the property, not your paycheck.

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