DSCR rental loans
1–4 unit rentals and short-term rentals qualified on rent, not personal income. 30-year fixed, interest-only options, LLC vesting.
$100K → $10M+ · real estate loans
Real estate loans for investors. Run your numbers first.
Test whether a deal carries its own debt — DSCR, cash flow, flip margin, BRRRR — free and instantly. Then get your matched program in three steps.
Real estate loan calculator
Your deal
Property & financing
$
%
Use a rate you have been quoted, or see the market rates tab.
25% · $87,500
0%50%
Income & carrying costs
$
$
$
$
Operating assumptions
%
%
%
%
Percent of the loan amount, paid at closing.
Estimated result
Debt service coverage ratio (DSCR)
1.00
Gross rent ÷ principal, interest, taxes, insurance and HOA — the ratio most 1–4 unit rental programs underwrite to.
Strong coverage- Loan amount
- $262,500
- Loan‑to‑value
- 75%
- Monthly principal & interest
- $1,791
- Monthly PITIA
- $2,341
- Monthly cash flow
- $0per month, after reserves
- Cash to close
- $0down payment plus costs
- Cash‑on‑cash return
- 0.0%
- Cap rate
- 0.0%on purchase price
- Net operating income
- $0annual, after vacancy and operating expenses
Payment composition across the term
Year 1Year 30
Principal
Interest
Total interest: —
Estimates only, from the figures you entered. DSCR here is gross rent divided by PITIA, the convention used on most 1–4 unit rental programs; commercial and 5+ unit lenders instead use net operating income divided by annual debt service, which will produce a different number on the same property. Taxes, insurance, rents and operating costs vary by market and are your own inputs, not figures Elora has verified.
Not an offer, quote, pre-qualification or commitment to lend. Actual rate, leverage, structure and eligibility are determined by the lending partner after full underwriting.
See my options in 3 steps
Takes your purchase price straight into the form. About two minutes, no credit pull.
Your project
The deal
$
$
$
Your own comparable-sales estimate. Lenders order their own valuation.
Loan structure
85%
50%100%
70%
50%90%
Short-term lenders cap the loan at both a share of cost and a share of
ARV. The lower of the two governs.
%
%
7 months
1 mo36 mo
Carrying & exit
$
Taxes, insurance, utilities, lawn — excluding loan interest.
%
%
Agent commission, transfer taxes, concessions — percent of sale price.
%
%
$
$
Estimated result
Projected profit on sale
$0
After financing, carrying and selling costs.
Healthy margin- Maximum loan
- $0—
- Cash to close
- $0
- Total cash in deal
- $0including rehab you fund
- Financing cost
- $0interest plus points
- All‑in cost
- $0purchase, rehab, financing, carry
- Return on cash invested
- 0%
- Annualized return
- 0%
- 70% rule — maximum offer
- $0a common screening heuristic, not a lender rule
Estimates only, from the figures you entered. ARV, rehab budget and hold period are your own assumptions and are the three inputs that most often move a real project away from its projection. Interest is calculated on the full loan amount for the whole hold period; if your rehab funds are advanced in draws, real interest will be lower. The 70% rule is an investor screening convention, not an underwriting standard any lender is bound by.
Not an offer, quote, pre-qualification or commitment to lend. Actual leverage, rate, draw schedule and eligibility are set by the lending partner after full underwriting.
See my options in 3 steps
Takes your project into the form. About two minutes, no credit pull.
Your scenario
Product
Ranges come from third-party published rate sheets and indexes for this product, not Elora pricing. The source type and the date it was read appear under the results.
Size & term
$400,000
$100K$10M
30 years
6 mo30 yr
Borrower profile
Average — solid credit, some experience, standard documentation. Profile does not change the product’s published range; it changes where inside that range an estimate tends to sit.
Illustrative range — never one number
—
———
- Estimated monthly payment
- —
- Structure
- —
- Typical maximum leverage
- —
- Estimated total interest over the term
- —
Payment composition at the midpoint of your zone
StartEnd of term
Principal
Interest
What actually moves your price — the lender weighs all of it:
—
Illustrative ranges published by third-party lenders, for education only — not an offer, quote, pre-qualification or guarantee of rate or approval. Elora Funding is a financing platform, not a lender. Published ranges are starting points that move with the benchmark market, expire, and exclude points and fees; the figure that applies to you is set by the lending partner after full file review. Using this tool is free and does not affect your credit.
See my options in 3 steps
Carries your product and amount into the form. About two minutes, no credit pull.
Every figure above is arithmetic on the numbers you entered. It is not a quote, an offer of credit, a pre-qualification or a commitment to lend, and it does not account for your credit, experience, title, appraisal, insurance or reserve requirements. Real rate, leverage, fees and terms are set by the lending partner after a full file review. Elora Funding is a financing platform, not a lender; it does not make credit decisions or fund loans. Nothing you enter here is stored, transmitted or shared unless you submit a request below.
Rate ranges in the market rate explorer are compiled from publicly published wholesale rate indices, lender rate sheets, agency pricing sheets, advertised-rate aggregators and the Federal Reserve H.15 selected interest rates release, read September 14–15, 2026. They describe the market on that date, not Elora Funding’s pricing, and are neither offers of credit nor a representation that any particular rate is available to you. Elora Funding retains the underlying citations for every range shown and will provide them on request.
Get your options
Numbers work? Get your real options.
Three short steps, about two minutes. The moment you submit, your matched program, state eligibility and what the lender will need appear on screen. No waiting on a callback to find out where your deal fits.
What we take requests for
- DSCR rental · 1–4 units
- Multifamily · 5+ units
- Commercial & mixed-use
- Bridge / fix & flip
- Cash-out refinance
- Ground-up construction
- Portfolio / blanket
- Not sure yet
3 steps to your real loan options
- Property
- Amount
- Your options
Step 1 of 3 · about 2 minutes
What are you financing?
Two dropdowns and your program match appears. No credit pull, no fee.
- Soft-pull scenario review — no hard credit hit
- Options quoted side by side from lending partners whose criteria fit
- LLC and entity vesting welcome — DSCR programs qualify on rent, not W-2
Your information is encrypted in transit. We share it only with the third-party lenders on our Marketing Partners page, and only if you check the consent box in this form. See our Privacy Policy.
- Business-purpose only
- Soft-pull review
- No fee to submit
Where we accept requests
Business-purpose investment property in 42 states. We do not accept requests from Arizona, California, Idaho, Nevada, North Dakota, Oregon, South Dakota or Vermont.
Elora Funding is a financing platform, not a lender. It does not make credit decisions or fund loans.
$100K+Loan sizes we shop, up to eight figures
42 of 50States we accept requests from
80%Program max LTV, best-qualified files*
14+Days to close, clean bridge file*
InstantProgram match, the moment you submit
*Illustrative program maximums and targets for well-qualified, complete files submitted during business hours. Actual figures depend on the borrower, property, market, appraisal, title, credit and current lender pricing, and are set by the Marketing Partner — not by Elora Funding. Not offers of credit.
What we place
Built for the deals banks send back.
Underwriting through our lending partners is driven by the property’s numbers and your experience — not a W-2. If the asset performs, there is usually a lender for it.
Multifamily 5+
Stabilized and value-add apartment financing, agency and bridge-to-perm structures with flexible prepay.
Commercial property
Office, retail, industrial, mixed-use and self-storage — purchase, refinance or recapitalization.
Bridge & fix-and-flip
Speed-driven capital for acquisitions, rehab draws and repositioning, with a clean exit into long-term debt.
Cash-out refinance
Pull trapped equity out of a performing asset to fund the next acquisition or retire expensive debt.
Portfolio & blanket
Consolidate 5–100+ doors under one loan, one payment and one set of covenants. Release clauses available.
*Leverage, program parameters and pricing are set by the Marketing Partner and vary by borrower, property, market and lender pricing. Availability differs by state.
Fees & costs
What it costs to get quoted.
Straightforward: nothing you pay Elora to submit an inquiry, and no charge to be shopped to lending partners.
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Elora Funding’s side
$0 to submit your request and $0 to be shopped to our lending partners. Elora is compensated by Marketing Partners when a submitted lead results in a closed loan — not by borrowers.
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Lender-side fees
The lender that ultimately funds your loan sets its own fees — origination points, lender processing and underwriting fees, third-party appraisal, title, legal and closing costs. Those figures are disclosed by that lender in their term sheet and loan documents, not by Elora.
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Third-party costs
Every real estate financing has third-party costs (appraisal, title, insurance, recording taxes) that are paid to those third parties, not to Elora or to the lender. They vary by state and property.
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No obligation to close
Submitting the form is a request for information. You are not obligated to accept any quote, apply for a loan or close.
How it works
Three steps. Options on screen.
No portal maze, no 40-page application, and nothing to wait for before you see where your deal routes.
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01
Three steps, about two minutes
What you’re financing and the state (two dropdowns), the amount, then where to send your options. No credit pull and no fee.
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02
Your options appear immediately
The moment you submit, the page shows you the program your deal routes to, confirms your state is active, and lists exactly what that program qualifies on and what the lender will ask for. Nothing to wait for. These are matched programs and requirements — not quoted terms, and not an offer of credit.
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03
A specialist brings back real terms
Your file goes to the third-party lenders on our Marketing Partners page whose programs fit, and a specialist follows up — typically within one business day — with the structures they can quote. You pick one and work directly with that lender through appraisal, title and funding. Elora doesn’t underwrite, approve, deny or fund loans.
Talk to a person
Walk the deal through with a specialist first.
Financing questions rarely fit inside a form. Call and talk through the property, the leverage you need and your timeline before you submit anything.
- Ask about a property with no credit pull and no obligation
- Get a straight read on whether the scenario is placeable at all
- Confirm availability for your state, asset class and loan size
- Understand which lender-side costs to expect before you apply
Reach voicemail? Leave the property address and a callback number — our initial response target is one business day. You can also email info@elorafunding.com.
Scenarios we place
If your deal looks like this, we can quote it.
Illustrative structures, not client testimonials — they show the kind of file our lending partners take down.
22-unit, tax returns don’t tell the story
Value-add apartment with real rent roll but light reported income. Placed on property cash flow with bridge-to-perm structure and a rehab holdback.
Six-door portfolio sitting on trapped equity
Seasoned rentals held in an LLC. Cash-out DSCR refinance frees the down payment for the next acquisition without touching personal income docs.
Off-market retail strip with a hard close date
Contract with a tight deadline and a seller who will not extend. Bridge capital first, then a planned refinance into long-term debt after lease-up.
FAQ
Straight answers before you submit.
Is Elora Funding a lender?
No. Elora Solutions LLC (dba Elora Funding) is a financing platform. We shop your inquiry to the third-party lending partners on our Marketing Partners page. Any resulting quote, application, contract, loan or funding is between you and that Marketing Partner, subject to their underwriting, licensing and final approval. We do not make credit decisions and we do not fund loans.
What kind of financing does Elora cover?
Business-purpose real estate financing only — DSCR rental, multifamily 5+, bridge and fix-and-flip, cash-out refinance, ground-up construction, portfolio/blanket and commercial (office, retail, industrial, mixed-use, self-storage). The collateral must be non-owner-occupied investment or commercial property. We don’t handle owner-occupied consumer mortgages.
What does “business-purpose” mean?
Under 12 C.F.R. § 1026.3(a), a business-purpose loan is one where the proceeds are used primarily for business, commercial, agricultural or investment purposes, not primarily for personal, family or household purposes. Investment property held for rental income or resale generally qualifies. A primary residence generally does not.
Where does Elora operate?
We currently accept inquiries from residents of most U.S. states. Elora Funding does not accept inquiries from, and does not operate, market, arrange or transmit loans in, Arizona, California, Idaho, Nevada, North Dakota, Oregon, South Dakota or Vermont. Availability of specific loan products depends on the Marketing Partner and their state licensing footprint.
Will Elora pull my credit?
Elora itself does not pull your credit. To size a scenario, our lending partners will often start with a soft-pull credit review — a soft inquiry that does not affect your credit score. If you move forward into a full application with a lender, that lender may then run a hard inquiry, which can affect your score. You’ll be notified before any hard pull.
What information do you share with lenders?
If you check the optional consent box on the form, we share your name, phone, email, property state, loan size range, loan type and marketing attribution data (like gclid and UTM parameters) with the named lenders on our Marketing Partners page so they can quote your deal. See our Privacy Policy for the full list.
How do I stop calls, texts and emails?
Reply STOP to any text to opt out of that sender. Click unsubscribe at the bottom of any marketing email. To revoke consent for all Elora contact, email info@elorafunding.com with the subject line “Revoke consent.” To stop contact from a specific Marketing Partner, contact them directly using the contact info on the Marketing Partners page. Full details are in the Calls, texts & email section of our Privacy Policy.
Does it cost anything to be quoted?
No. Submitting the form and being shopped to Elora’s lending partners is free to you. Lender-side and third-party costs (origination, appraisal, title, etc.) apply only if you choose to accept a quote and move into an application — they’re disclosed by the lender in their term sheet and loan documents.
Are the numbers on this page offers of credit?
No. Loan sizes, LTV, DSCR and timing figures on the page describe illustrative program maximums our lending partners offer for well-qualified files. Actual figures depend on the borrower, property, market, appraisal, title, credit and current lender pricing, and are set by the Marketing Partner — not by Elora Funding.
Equal Housing OpportunityLending partners, where applicable
Licensed lending partnersState-licensed where required
Business-purpose onlyInvestment property, not consumer credit
Encrypted in transitTLS 1.3 across the site
TCPA § 227Named-partner consent, revocable any time
Start here
See where your deal routes.
Three steps, about two minutes, and your matched program and requirements are on screen the moment you submit. A specialist follows up with partner terms. No obligation and no hard credit pull.