Investor lending · Phoenix metro, Arizona
Lending that reads the rent roll.
Quarrystone works with investors on DSCR, portfolio and bank-statement loans. Send the scenario, get indicative terms, decide with numbers.
Scenario in, terms out
Share address, rent and target leverage. We reply with indicative terms, not a sales call.
1–4 units and short-term rentals
Long-term leases or STR income: we explain how each is underwritten.
Portfolio-friendly
Refinance several doors at once or keep each property separate.
How it works with Riley
A clear route from first question to closing day.
- 1Send the scenario
- 2Indicative terms
- 3Appraisal and rent schedule
- 4Underwriting
- 5Close in an LLC or personal name
Loan programs
“Investors want numbers, not slogans. The DSCR calculator and the term-sheet form send me better-qualified requests.”
Common questions
What is a DSCR loan?
A debt service coverage ratio loan qualifies the property on its rental income compared with its monthly payment (principal, interest, taxes, insurance and HOA), rather than mainly on your personal income.
What DSCR do lenders look for?
It varies by lender and program. Many look for a ratio around 1.0 to 1.25 or higher, and terms often improve as the ratio rises.
Can I close in an LLC?
Many investor loan programs allow closing in an LLC. Ask for the program's specific entity requirements.
Ready when you are.
No pressure, no hard credit pull to start a conversation.
Request indicative terms