Loan Programs
Financing built for every investment strategy.
Whether you're holding, flipping, or acquiring — Novo Capital has a program structured for how you actually invest.
01
DSCR Loans
Qualify on cash flow, not your tax returns.
Debt Service Coverage Ratio loans are designed for buy-and-hold investors who want to scale their rental portfolio without the friction of personal income verification. We underwrite based on the property's rental income — not your W-2s or tax returns.
Eligible Properties & Borrowers
Program Terms
02
Hard Money
Asset-based lending for time-sensitive acquisitions.
When speed is the deal, hard money is the answer. Our asset-based bridge loans are underwritten on the property's value — not your credit profile. Close in as few as 5 business days and move before the competition.
Eligible Properties & Borrowers
Program Terms
03
Fix & Flip
Acquisition and rehab financing in a single loan.
Our fix and flip program covers both the purchase and renovation in one streamlined loan. Draw funds as work is completed, keep your capital working, and close the deal on your timeline — not the bank's.
Eligible Properties & Borrowers
Program Terms
Not sure which program fits your deal?
Talk to a Novo Capital loan specialist. We'll match you with the right structure in minutes.