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Single-Family Investment Capital

Financing paths for investment-property deals.

Fix & flip, DSCR rental, bridge and ground-up financing—reviewed around the property, borrower, business plan and exit.

Analyze My Deal Discuss a Scenario

Who This Is For

Investment strategy comes first.

Duke works with investors financing non-owner-occupied residential property: acquisition and renovation, rental purchase or refinance, a transitional bridge, or a ground-up development plan. The right path depends on the full transaction, not one calculator output.

Financing Paths

Built around investor strategy.

Duke reviews the asset, financing request, borrower profile and exit to identify a workable structure. Short-term rentals are considered within DSCR rental analysis when supported income and current program requirements allow.

01

Fix & Flip

Acquisition and renovation financing for non-owner-occupied investment properties, structured around purchase basis, rehab scope, projected value, investor experience and the exit plan.

Model a flip
02

DSCR Rental

Rental-property financing evaluated primarily around property cash flow and investment structure. Purchase or refinance paths depend on the transaction and current underwriting.

Model rental coverage
03

Bridge / Stabilized

Transitional capital for acquisition, refinance, renovation, lease-up or stabilization before a sale or longer-term financing exit.

Model the exit
04

Ground-Up

Business-purpose construction financing for investors developing residential investment properties, subject to project, budget, borrower and exit review.

Discuss a build

Deal Scenarios

Start with the planned exit.

The same property can call for different financing when the investor plans to sell, stabilize or retain it.

Acquire, improve, sell

Compare acquisition basis, rehab budget, modeled carry and net sale proceeds before committing to a flip plan.

Acquire, improve, retain

Test a rental refinance exit and its monthly PITIA and DSCR alongside the renovation plan.

Purchase or refinance a rental

Model rental coverage from monthly income and full PITIA, including taxes, insurance and association dues.

Bridge to stabilization

Consider sale and retain paths when property condition, occupancy or timing calls for transitional financing.

Analyze Your Deal

Know the numbers before the conversation.

Model preliminary sale economics or PITIA-based rental coverage using your own assumptions. Duke will review the scenario and current financing options separately.

Preparing the scenario calculator…

Underwriting Factors

The numbers are one part of the file.

  • Property type, condition and valuation
  • Purchase or refinance basis and requested financing
  • Rehab scope, budget and execution plan
  • Borrower experience and liquidity
  • Rental income support and monthly PITIA
  • Sale, refinance or construction exit strategy

Information Needed

Bring the transaction basics.

Requirements vary by structure and capital channel. These items help start an advisor review; they are not a fixed approval checklist.

  • Property address and transaction summary
  • Purchase contract or current payoff, as applicable
  • Requested loan amount and use of proceeds
  • Rehab or construction budget, where relevant
  • Current lease, rent support or projected income basis
  • Borrower/entity and experience overview
  • Proposed sale or refinance exit assumptions

Why Duke

More than a rate request.

Duke combines advisory, brokerage and correspondent capabilities to review the property and borrower, compare realistic capital paths, structure the request and coordinate execution. Fix & Flip and DSCR may involve correspondent channels where appropriate; the actual financing role and available terms are confirmed deal by deal. Bridge capital is evaluated through the channel that fits the transaction.

See Duke’s Approach

The Process

A cleaner path from scenario to execution.

Start with a preliminary model, then let Duke review the actual property, borrower, documentation and financing path.

  1. 01

    Analyze

    Review the property, borrower, requested financing and planned exit.

  2. 02

    Structure

    Compare realistic financing paths through the appropriate brokerage or correspondent channel.

  3. 03

    Prepare

    Identify the documentation needed for the asset, business plan and underwriting.

  4. 04

    Execute

    Coordinate the request, diligence and next steps with the selected capital channel.

Common Questions

Before the deal review.

What does a DSCR calculation include?

This page models DSCR as monthly rental income divided by monthly PITIA: principal, interest, property taxes, insurance and association dues. Actual underwriting may require additional income support and program-specific review.

Can a flip be refinanced into a rental?

A retain / refinance exit can be considered alongside a sale plan. Its feasibility depends on the completed property, supported rent, refinance structure and full underwriting.

Does a calculator result approve my deal?

No. It is a preliminary scenario estimate based on your inputs. A Duke advisor must review the property, borrower, current options and documentation.

What if modeled DSCR is below 1.05x?

The calculator displays “Deal review needed.” It does not decline the transaction or determine financing eligibility.

What should I bring to the first conversation?

Start with the property, transaction type, requested financing, budget or rent support, timeline and intended sale or refinance exit. Duke can clarify the remaining deal-specific information.

Next Step

A calculator is the start, not the credit decision.

If the asset, timing or exit needs a closer look, bring the scenario to Duke for a human review. The calculator has not sent your inputs anywhere.

Discuss the Scenario