Rental / DSCR Loans

Borrower Requirements

Northline Capital provides financing for experienced real estate investors and sponsors executing business-purpose real estate transactions.

Typical borrower requirements include:

• Loans must be for business or investment purposes only.
• Owner-occupied primary residences are not eligible.
• Borrowers typically invest through legal entities such as LLCs or corporations.
• Borrowers must certify that loan proceeds will be used solely for business or investment purposes.
• Borrowers must certify that the collateral property is not intended for owner-occupied consumer use.
• Property cash flow support, rent durability, and market fundamentals are evaluated as part of DSCR underwriting.
• A clear exit strategy is required, typically through sale, refinance, or stabilization.
• Adequate liquidity, reserves, and project support may be required.
• Additional underwriting conditions may apply based on property type, market, borrower profile, business plan, and sponsor experience.
• Financing is subject to underwriting review and is not guaranteed unless and until final loan documents are executed and all closing conditions are satisfied.