Get The Funds You Need To Buy, Refi or Restructure Debt On A Rental Property Quickly!
Purchase, Refi & More - Underwriting Done In 24-Hours
3 Weeks Closes On 30-Yr | 620 Min. FICO | Loans Up To $5M | More Options Below
Get Started On A Quote In Seconds
The Deal Other Lenders Gave Up On? We'd Like A Look At It Anyway & Give You The Upperhand
Rates From 5.99%. Closings As Fast As 7 Days. No Tax Returns Required.
Get Quote — Begin Below.
FICO Min: 600+ Bridge & Hard Money, 620+ DSCR & Non-QM · Loans From $125K To $50M+
*Not all loans will close in 7 days. Speed of closing and speed of terms is largely dependent upon borrower readiness and preparation.
30-Year DSCR Loans
- 30-Year Fixed or Adjustable Rates
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Loan Amounts from $75K - $2M
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Vacant Properties Allowed
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Close in an LLC, Trust or Real Person
- New or Experience Investors
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No Tax Ret. or Employment Doc
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Non-Owner Occ. Inv. Properties Only
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Unlimited Num of Properties Owned
Most Brokers Shop Your Deal. We Underwrite It First.
Before your file goes to a single lender, we build the numbers, stress the assumptions, and package your deal the way a credit committee actually reads it. That means the terms you see are the terms that survive to the closing table, not a soft quote that reprices six weeks in.
We work across the full capital stack, from DSCR and hard money to bridge and value-add, so you're not restarting your lender search every time your strategy changes. Your deal goes to the handful of lenders who will actually close it, matched on current appetite and execution history, not blasted out to a list of twenty who decline nineteen of them.
If a deal doesn't pencil, we tell you before you spend money on it. We get paid at closing, so we have no reason to walk you into a bad execution.
A Deal We're Proud Of
We recently worked a foreclosure bailout for a borrower who'd been told by several other brokers and direct lenders that she was out of options. Digging into her full financial picture, we found equity sitting in other assets she owned and matched her to a lender we already had a relationship with, presenting it as a cross-collateral structure instead of a single-property request.
Closed ten days later.
What You're Working With
DSCR: rates from 5.99%, up to 85% LTV, loans up to $10 million
Bridge & Hard Money: closings in as fast as 7 days, minimum FICO 600
Fix & Flip: up to 95% LTC, rates from 8.9%
Construction: up to 90% LTC
Minimum loan $125,000. We lend in every state except Nevada, South Dakota, and North Dakota.
Non-QM: bank statement and asset-based options for self-employed borrowers, no tax returns required
$500 appraisal credit at closing. Up to 50% of your first year's HOI covered.
Integrity, efficiency, transparency. That's what we want to be known for, and that's how we underwrite every file that comes through.
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©2025 Upperhand Solutions, LLC. All Rights Reserved
1526 W Main St Central SC 29630
Office: 864.400.8177
Julie McCown - CEO - NMLS# 2598035
This offer is not guaranteed if you do not meet our criteria, including credit worthiness, insurability or ability to providing acceptable property as collateral. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.