Non Recourse Loan

Evaluate your deal in two minutes

Use our underwriting tools right here — no account, no phone call. Every result shows your next step, and nothing is ever an automatic no.

See where your IRA, SEP, or Solo 401(k) stands for a non-recourse investment-property loan -- in under two minutes.

The Check Eligibility tool gives self-directed retirement investors a fast, honest read on whether a non-recourse loan fits their account and their target property. A non-recourse loan is what lets an IRA or Solo 401(k) borrow without the account holder personally guaranteeing the debt -- a requirement when retirement funds are the borrower.

Answer a few questions about your account type, balance, and the property, and you will get a plain-language verdict plus a likely loan range, with a clear next step. Nothing here is a credit decision -- it is a starting point built on the same guidelines our officers use.

See where you stand before you talk to anyone. Every result points to a next step.

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Account type Account balance Property type Transaction State ZIP code Estimated property value This is an investment (non-owner-occupied) property

How it works

Tell us your account type (IRA / SEP or Solo 401(k)) and balance band.
Describe the property -- type, transaction, state, and estimated value.
Confirm it is an investment (non-owner-occupied) property, which non-recourse loans require.
Get an instant read plus a likely loan range based on our 70% LTV baseline.

Why it matters

For retirement-funded real estate, the loan structure matters as much as the property. Because the IRA or 401(k) -- not you -- is the borrower, lenders look to the asset and the account rather than your personal income.

Knowing early whether your account type, balance, and property line up with non-recourse guidelines saves weeks and lets you shop with realistic numbers. It also surfaces tax considerations like UBIT / UDFI, which differ between IRAs and Solo 401(k)s.

How to read your result

Likely eligible means your inputs fit our standard guidelines and an officer can move quickly. Likely a conversation or Conditional does not mean no -- it flags something (a smaller balance, a restricted property type, or owner-occupied use) that a specialist should review.

The likely loan range is an estimate from your property value against our 70% maximum LTV; your actual amount depends on rent, reserves, and full underwriting. Every result routes to Apply because borderline files still get a human review.

Keep going

ToolLoan PlannerModel price, rent, DSCR, cash to close, and a 5-year projection.ToolDSCR CalculatorTest a property against the 1.25 minimum and find the max loan.ToolProperty EligibilitySee how each property type fits the 70% LTV / 1.25 DSCR baseline.ProgramNon-Recourse LoansHow the core product works for retirement accounts.ProgramSDIRA FinancingBorrowing real estate inside a self-directed IRA.GuideWhat Is a Non-Recourse Loan?The concept in plain language.GuideUDFI / UBIT ExplainedThe tax IRAs should understand before borrowing.

Frequently asked questions

Do I need to personally qualify for a non-recourse loan?

No. With a non-recourse loan your IRA or Solo 401(k) is the borrower and the property secures the debt, so personal income and personal guarantees are not the basis of approval. The lender's recourse is limited to the asset itself.

Which account types can use this tool?

Self-directed IRAs, SEP IRAs, and Solo 401(k)s are the common vehicles. Solo 401(k)s are generally exempt from UDFI on debt-financed real estate under IRC 514(c)(9); IRAs may owe UBIT on the financed share.

Does the property have to be an investment property?

Yes. Retirement-account real estate must be held for investment, not personal use -- you and disqualified persons cannot live in or use it. The tool asks you to confirm non-owner-occupied use for that reason.

Is the result a loan approval?

No. It is an advisory estimate based on standard guidelines and the numbers you enter. A loan specialist confirms details and runs full underwriting; nothing here is a commitment to lend.

My balance is under $100k -- am I out?

Not necessarily. A smaller balance flags a conversation rather than an automatic decline; structure, the property, and additional reserves all factor in.

Ready to put real numbers in front of a specialist? Every result here routes to a human review -- borderline files included.

Run the tool Start My Inquiry

Estimates only -- not a commitment to lend; subject to full underwriting.

Run price, rent, and terms through our underwriting math to see your loan, DSCR, cash to close, and a five-year projection.

The Loan Planner is the most complete of our calculators -- it turns a property's price, rent, and operating costs into the numbers that actually decide a non-recourse loan: loan amount, LTV, DSCR, monthly PITIA, cash to close, required reserves, and a five-year equity-and-cash-flow projection.

It uses the same 70% LTV / 1.25 DSCR baseline and current Treasury-indexed pricing our officers use, so the estimates you see are grounded in real guidelines rather than guesswork.

Run your numbers in two minutes. Honest estimates -- then apply.

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ZIP code (required) State Property address (optional)

Purchase price Down payment % Estimated monthly rent Annual property taxes Annual insurance Annual HOA Property type Closing costs % Annual expenses % Term (years) Treasury index

Projection assumptions Annual appreciation % Rent growth / yr %

How it works

Enter the purchase price, down-payment %, and estimated monthly rent.
Add carrying costs -- taxes, insurance, HOA, closing %, and an expense allowance.
Pick a term (15 to 30 years) and the Treasury index that prices your rate.
Run the scenario to see your full deal, including a year-by-year projection.

Why it matters

Investment-property lending lives or dies on debt-service coverage and leverage, not on personal income. Modeling the deal before you commit shows whether the rent supports the payment at our 1.25 DSCR minimum and whether your down payment keeps you under 70% LTV.

It also shows how much cash you truly need at closing, including reserves, and the projection helps you see past year one -- how appreciation and rent growth build equity and cash flow over a hold.

How to read your result

DSCR is rent divided by PITIA; at or above 1.25 you are inside guideline, and below it is not a no -- it invites an exception or a larger down payment. LTV is your loan divided by price; staying at or under 70% keeps you in the standard lane.

Cash to close blends your down payment, closing costs, and points; six-month reserves are held separately. The projection assumes the appreciation and rent-growth rates you enter, so adjust them to stress-test. All figures are estimates, not a commitment to lend.

Keep going

ToolCheck EligibilityWhere your account and property stand against non-recourse guidelines.ToolDSCR CalculatorTest a property against the 1.25 minimum and find the max loan.ToolProperty EligibilitySee how each property type fits the 70% LTV / 1.25 DSCR baseline.ProgramPurchase vs RefinanceWhich transaction path fits your scenario.ProgramSolo 401(k) FinancingLeverage real estate inside a Solo 401(k).GuideDown Payment & LeverageHow LTV and down payment shape the deal.GuideWhat Is a Non-Recourse Loan?The fundamentals behind the numbers.

Frequently asked questions

What is PITIA?

Principal, Interest, Taxes, Insurance, and Association dues -- the full monthly carrying cost a DSCR is measured against, not just principal and interest.

How is my rate estimated?

The planner prices off the Treasury index you select plus our standard margin. It is an estimate for planning; your locked rate depends on the program, term, and final underwriting.

What if my DSCR comes out below 1.25?

The deal is not dead. A larger down payment, a different term, higher rent, or an underwriting exception can change the picture -- apply and an officer will review.

Why does it ask for reserves?

Non-recourse programs typically require about six months of PITIA in reserves. The planner shows that figure so your cash plan is realistic.

Are the projections guaranteed?

No. They are illustrative, driven by the appreciation and rent-growth rates you enter, and meant for scenario planning only.

Ready to put real numbers in front of a specialist? Every result here routes to a human review -- borderline files included.

Run the tool Start My Inquiry

Estimates only -- not a commitment to lend; subject to full underwriting.

Check a property's debt-service coverage ratio against our 1.25 minimum -- and see the largest loan the rent can support.

Debt-Service Coverage Ratio (DSCR) is the single number that most determines whether an investment property qualifies for non-recourse financing. This calculator compares a property's monthly rent to its monthly payment (PITIA) and shows where it lands against our 1.25 minimum.

Do not know the payment yet? Enter a loan amount and term and we will estimate it for you, then show the largest loan the rent can comfortably support.

Quick DSCR check against our 1.25 minimum. Below 1.25 is still worth a conversation.

We will remember your info on this device to save you time. Not you? Clear my info

Monthly rent Monthly payment (PITIA)

-- or estimate the payment --

Loan amount Term (years) Treasury index

How it works

Enter the monthly rent.
Enter the monthly PITIA payment if you know it -- or a loan amount and term to estimate it.
Pick the Treasury index that prices the rate.
Calculate to see your DSCR, pass / fail against 1.25, and an estimated maximum supportable loan.

Why it matters

Because a retirement account is the borrower on a non-recourse loan, the property has to carry itself -- the rent must service the debt. DSCR is how lenders measure that. A property at 1.25 generates 25% more income than its payment, the cushion non-recourse programs look for.

Running DSCR first tells you whether a deal pencils, how much you can borrow, and how much rent or down payment you would need to close a gap -- before you write an offer.

How to read your result

A DSCR at or above 1.25 meets our baseline. Below 1.25 is not an automatic no -- it signals the rent is tight against the payment, which a larger down payment, a longer term, or an exception may resolve.

The estimated maximum supportable loan is the largest balance whose payment the rent would still cover at 1.25; treat it as a planning ceiling, not a quote. Figures are estimates, not a commitment to lend.

Keep going

ToolCheck EligibilityWhere your account and property stand against non-recourse guidelines.ToolLoan PlannerModel price, rent, DSCR, cash to close, and a 5-year projection.ToolProperty EligibilitySee how each property type fits the 70% LTV / 1.25 DSCR baseline.ProgramNon-Recourse LoansThe product DSCR underwriting supports.ProgramPurchase vs RefinanceDSCR on either transaction type.GuideDown Payment & LeverageMove a tight DSCR with a larger down payment.GuideWhat Properties Qualify?Property fit beyond the ratio.

Frequently asked questions

What counts toward the payment in DSCR?

We measure rent against PITIA -- principal, interest, taxes, insurance, and HOA -- for a true picture of carrying cost.

What is a good DSCR?

1.25 is our minimum; higher is stronger. Many investors target 1.25 to 1.40 to leave room for vacancy and repairs.

Can I qualify below 1.25?

Sometimes. It becomes a conversation rather than a decline -- structure changes or an exception review can help.

Does the estimated max loan equal my approval?

No. It is the rent-supported ceiling at 1.25; your actual amount also depends on LTV, reserves, property type, and full underwriting.

Which Treasury index should I pick?

Choose the index closest to your expected hold or program. It affects the estimated rate and therefore the payment and the max loan.

Ready to put real numbers in front of a specialist? Every result here routes to a human review -- borderline files included.

Run the tool Start My Inquiry

Estimates only -- not a commitment to lend; subject to full underwriting.

See how a property type lines up against our 70% LTV / 1.25 DSCR baseline -- from single-family to commercial and land.

Not every property fits a non-recourse loan the same way. This checker tells you, by property type, how a deal generally lines up against our 70% LTV / 1.25 DSCR baseline -- and where a type is restricted or conditional.

It is the fastest way to know whether a single-family rental, a 2-4 unit, a short-term rental, mixed use, commercial, land, or agricultural property is a clean fit or a conversation worth having.

What we lend on, against our 70% LTV / 1.25 DSCR baseline. Restricted types still get a conversation.

We will remember your info on this device to save you time. Not you? Clear my info

Property type

How it works

Choose the property type you are evaluating.
Check the property against our baseline.
Read the type-specific guidance -- core, conditional, or restricted.
Apply to confirm specifics with a loan officer.

Why it matters

Property type drives both eligibility and pricing in non-recourse lending. Core types like single-family and small multifamily move quickly at standard terms; short-term rentals, mixed use, and commercial carry extra documentation or tighter leverage; land and agricultural are restricted to limited programs.

Knowing the lane up front keeps your offer realistic and avoids surprises in underwriting -- especially when a retirement account is the borrower and the asset is the lender's only recourse.

How to read your result

Qualifies means the type sits inside our standard lane at the 70% LTV / 1.25 DSCR baseline. Conditional means it is lendable but depends on specifics -- income documentation, the residential / commercial split, or program fit.

Restricted (land, agricultural) means limited programs apply, not that the door is closed. Every type routes to a specialist because exceptions and program nuances are decided file by file. This is general guidance, not a commitment to lend.

Keep going

ToolCheck EligibilityWhere your account and property stand against non-recourse guidelines.ToolLoan PlannerModel price, rent, DSCR, cash to close, and a 5-year projection.ToolDSCR CalculatorTest a property against the 1.25 minimum and find the max loan.ProgramProperty Types We Lend OnThe full lendable list and terms.ProgramNon-Recourse LoansHow the core product works.GuideWhat Properties Qualify?A deeper look at eligibility.GuideCustodiansWho holds the account behind the deal.

Frequently asked questions

What property types qualify most easily?

Single-family rentals and small multifamily (2-4 units) are core products at our standard 70% LTV / 1.25 DSCR terms.

Can I finance a short-term rental?

Often yes, with documented income. Leverage may be tightened depending on the market and the rental history.

Are land or agricultural properties eligible?

They are restricted to limited programs rather than flatly excluded -- a specialist can tell you what is possible.

How are mixed-use properties handled?

Case by case, based on the residential-versus-commercial split and income. The checker marks them conditional.

Does property type affect my rate or LTV?

Yes. Non-core and conditional types can carry tighter leverage or pricing; your officer confirms terms for your specific property.

Ready to put real numbers in front of a specialist? Every result here routes to a human review -- borderline files included.

Run the tool Start My Inquiry

Estimates only -- not a commitment to lend; subject to full underwriting.

Estimates only — not a commitment to lend; subject to full underwriting. Educational information, not legal or tax advice.

What is a non-recourse loan?

A non-recourse loan is secured only by the property — not by you personally. When you borrow inside a retirement account, the IRS requires it: your IRA or Solo 401(k) can’t pledge your personal assets, so the lender’s only remedy is the real estate itself. There is no personal guarantee and no effect on your personal credit.

Because the asset stands on its own, we underwrite the property and its cash flow, not your W-2 or FICO. The number that matters most is DSCR — the rent relative to the payment. Hit our baseline and the path is straightforward; come in below it and it’s still worth a conversation, not an automatic decline.

Read the full breakdown of how non-recourse lending works →

Built for the structures conventional lenders avoid

If you invest through a retirement account or a business entity, you need a lender who already understands your structure — not one who spends three weeks learning it.

Self-Directed IRA & SEP

Put retirement capital to work on investment real estate at up to 70% LTV, the non-recourse way IRA rules require.

SDIRA Financing →

Solo 401(k)

Often the most tax-efficient route, thanks to the real-property exception to UDFI under IRC §514(c)(9).

Solo 401(k) Financing →

Business Entities

LLCs and other entities acquiring or refinancing non-owner-occupied investment property.

Non-Recourse Loans →

How it works

1

Run your numbers

Use the tools above to see your leverage, payment, DSCR, and cash to close — honest estimates, no phone call needed.

2

Check eligibility

Confirm your account type and property qualify. Borderline results are still worth a conversation — exceptions get reviewed.

3

Apply & close

Submit your application and a specialist structures the deal, answers the tax questions, and guides you to closing.

Loan programs

One underwriting engine — 70% LTV, 1.25 DSCR, six months reserves, $100K–$750K, all 50 states — applied to the way you invest.

Non-Recourse Loans

Our flagship product: no personal guarantee, secured by the property.

SDIRA Financing

Leverage for self-directed and SEP IRAs, kept compliant.

Solo 401(k) Financing

Powerful — and often UDFI-exempt — leveraged real estate.

Purchase vs Refinance

Acquire a new property or improve an existing one.

Property Types We Lend On

SFR, multifamily, condos, STRs, and more.

Lending that already understands your structure

We focus on non-recourse and self-directed real-estate lending. That means no explaining what a checkbook IRA is, no detour while an underwriter learns the rules — just financing built for how you actually invest.

Up to 70%LTV financing

1.25Min DSCR

All 50States served

NoPersonal guarantee

Frequently asked questions

What is a non-recourse loan?

A loan secured only by the property, with no personal guarantee. It’s the structure retirement accounts are required to use. Learn more →

Who qualifies?

Self-directed IRA/SEP investors, Solo 401(k) plans, and business entities buying or refinancing non-owner-occupied (investment) property — up to 70% LTV against a 1.25 DSCR baseline.

How much do I need to put down?

Plan for roughly 30–35% down, plus closing costs and about six months of PITIA reserves. See down payment & leverage →

Will my IRA owe taxes (UBIT/UDFI)?

IRA/SEP-funded loans can trigger UBIT on the debt-financed share of income. Solo 401(k)s are generally exempt under IRC §514(c)(9). UDFI/UBIT explained → Confirm specifics with your CPA.

What property types do you lend on?

Single-family rentals, 2–4 unit and small multifamily, warrantable condos, and short-term rentals with documented income. Restricted types like land and agricultural still get a conversation. What qualifies →

Is there a personal guarantee?

No — that’s the point. The loan is non-recourse and secured by the property, so your personal assets aren’t pledged.

What states and loan amounts do you cover?

All 50 states, with a standard loan band of $100,000 to $750,000. Outside that range, a specialist can still discuss options.

See the full FAQ →

See where you stand — in two minutes.

No account. No phone call. Just your numbers, and a clear next step.

Check Eligibility Start My Inquiry

Home

Non-Recourse Lending for Real Estate Investors

Evaluate your deal in two minutes

How it works

Why it matters

How to read your result

Keep going

Frequently asked questions

How it works

Why it matters

How to read your result

Keep going

Frequently asked questions

How it works

Why it matters

How to read your result

Keep going

Frequently asked questions

How it works

Why it matters

How to read your result

Keep going

Frequently asked questions

What is a non-recourse loan?

Built for the structures conventional lenders avoid

Self-Directed IRA & SEP

Solo 401(k)

Business Entities

How it works

Run your numbers

Check eligibility

Apply & close

Loan programs

Non-Recourse Loans

SDIRA Financing

Solo 401(k) Financing

Purchase vs Refinance

Property Types We Lend On

Lending that already understands your structure

Frequently asked questions

What is a non-recourse loan?

Who qualifies?

How much do I need to put down?

Will my IRA owe taxes (UBIT/UDFI)?

What property types do you lend on?

Is there a personal guarantee?

What states and loan amounts do you cover?

See where you stand — in two minutes.