Universal Capital Application

Real Estate Investor Financing

DSCR, Fix & Flip, Bridge, and Ground-Up Construction capital for investors. One application — our capital desk reviews and matches your scenario to appropriate lending solutions. Additional information may be requested based on lender and program requirements.

Contact Information

First Name *

Last Name *

Email *

Phone *

Company / Entity Name

Borrower Type

Borrower Role

Financing Request

Financing Category

Requested Loan Amount / Capital Need *

Defaults to the calculated capital request below. Enter a different value to override.

Purpose *

Timeline *

Target Closing Date

Property Details

Start typing the property address. If autocomplete is unavailable, enter street, city, state, and ZIP manually.

Street Address

City

Property State

ZIP

Property Type

Occupancy

Exit Strategy

Purchase Price

Estimated Value / ARV

Down Payment Amount

Down Payment %

Rehab Budget

Current Loan Balance

Estimated Monthly Rent

Shared with DSCR analysis below.

Capital Estimate

Total Project Cost: —
Base Loan Amount: —
Estimated Capital Request: —
Cash-In Required: —
Estimated LTV: Enter ARV/value
Estimated LTC: —
Estimated Equity: Enter current balance
Estimated Closing Costs (~3%): —

Estimated Closing Costs (override)

Calculations are estimates only. High LTV or LTC may reduce lender options or require additional borrower contribution. Actual closing costs vary.

DSCR Analysis (Estimate)

Optional. Helps estimate Debt Service Coverage Ratio for rental, DSCR, and refinance scenarios.

Estimated Monthly Rent

Shared with Property Details.

Annual Property Taxes

Monthly taxes auto-calculated (Annual ÷ 12).

Annual Insurance

Monthly insurance auto-calculated (Annual ÷ 12).

Monthly HOA

Estimated Interest Rate (%)

Default estimate used for payment calculations. Actual rates vary by program, credit profile, lender, and market conditions.

Amortization Term (years)

Interest-Only?

DSCR Estimate (PITI + HOA)

Estimated Monthly Rent: —
Estimated Monthly Principal & Interest: Enter rate + term
Monthly Taxes: $0
Monthly Insurance: $0
Monthly HOA: $0
Total Monthly Housing Expense: Enter P&I inputs
Estimated DSCR: Enter rent + P&I

Estimated Monthly P&I is calculated from the loan amount, interest rate, and term. Final payment depends on lender pricing, fees, amortization, and program rules.

DSCR is an estimate of whether rental income may support the loan payment. Many DSCR lenders prefer 1.20x–1.25x+, but requirements vary by lender. Color: red <1.00 · yellow 1.00–1.20 · green >1.20.

Investor Experience

Credit Score Range

Completed Projects (last 36 months)

Completed projects means purchase, refinance, flip, rental acquisition, construction, or business funding transactions completed in the last 36 months.

Liquidity Available

Scenario Summary

Consent & Acknowledgement

I consent to be contacted by Innovative Lender Solutions regarding this financing request.I agree to receive SMS communications from Innovative Lender Solutions regarding financing inquiries, application updates, transaction notifications, and customer support. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for assistance. View our Privacy Policy and Terms of Service. Consent is not a condition of financing.I acknowledge the Privacy Policy and Terms. Submission is subject to lender underwriting and program availability; not a commitment to lend.

Prefer a Quick Scenario instead?

Subject to lender underwriting, borrower qualifications, collateral review, and program availability. Not a commitment to lend.