Loan Programs
Xcel Funding LLC provides business-purpose real estate financing for investors, developers and property owners throughout California. Explore our financing options below, including DSCR, construction, Non-QM, bank statement and commercial real estate loans. Program availability, terms and qualification requirements vary by transaction.
DSCR Loans
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors financing rental and income-producing properties. Qualification focuses primarily on the property’s rental income and cash flow rather than traditional personal income documentation. DSCR financing may be available for investment property purchases, refinances and cash-out refinances, depending on the loan program.
Construction Loans
Business-Purpose Non-QM Loans provide alternative financing for real estate investors whose transactions or financial profiles may not fit traditional lending guidelines. Depending on the program, qualification may consider property cash flow, bank statements, assets or other alternative documentation. Financing is intended for qualifying investment and business-purpose real estate transactions and is not for consumer or owner-occupied residential use.
Non-QM Loans
Flexible financing for real estate investors that falls outside standard agency guidelines. These loans are intended solely for acquiring or refinancing investment properties and may feature alternative income documentation or qualification methods. All loans are secured by real property, business purpose only, and never for personal, consumer, or owner-occupied use.
Bank Statement Loans
Business-Purpose Bank Statement Loans provide alternative-documentation financing for qualifying self-employed real estate investors and business owners. Depending on the program, bank statement deposits or cash flow may be considered as an alternative to traditional income documentation when purchasing or refinancing investment property. Program requirements and qualifying methods vary by transaction.
Commercial Loans
Commercial Real Estate Loans provide business-purpose financing for investors, developers and property owners acquiring or refinancing commercial properties in California. Financing may be available for acquisitions, refinances, bridge transactions, renovations and property repositioning across multifamily, office, retail, industrial, mixed-use and other qualifying commercial real estate. Loan structures and requirements vary by property and transaction.
Xcel Funding LLC provides business-purpose real estate financing for investors, developers and property owners throughout California. Explore our financing options below, including DSCR, construction, Non-QM, bank statement and commercial real estate loans. Program availability, terms and qualification requirements vary by transaction.
DSCR Loans
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors financing rental and income-producing properties. Qualification focuses primarily on the property’s rental income and cash flow rather than traditional personal income documentation. DSCR financing may be available for investment property purchases, refinances and cash-out refinances, depending on the loan program.
Construction Loans
Business-Purpose Non-QM Loans provide alternative financing for real estate investors whose transactions or financial profiles may not fit traditional lending guidelines. Depending on the program, qualification may consider property cash flow, bank statements, assets or other alternative documentation. Financing is intended for qualifying investment and business-purpose real estate transactions and is not for consumer or owner-occupied residential use.
Non-QM Loans
Flexible financing for real estate investors that falls outside standard agency guidelines. These loans are intended solely for acquiring or refinancing investment properties and may feature alternative income documentation or qualification methods. All loans are secured by real property, business purpose only, and never for personal, consumer, or owner-occupied use.
Bank Statement Loans
Business-Purpose Bank Statement Loans provide alternative-documentation financing for qualifying self-employed real estate investors and business owners. Depending on the program, bank statement deposits or cash flow may be considered as an alternative to traditional income documentation when purchasing or refinancing investment property. Program requirements and qualifying methods vary by transaction.
Commercial Loans
Commercial Real Estate Loans provide business-purpose financing for investors, developers and property owners acquiring or refinancing commercial properties in California. Financing may be available for acquisitions, refinances, bridge transactions, renovations and property repositioning across multifamily, office, retail, industrial, mixed-use and other qualifying commercial real estate. Loan structures and requirements vary by property and transaction.