Who this is built for
Rental, short-term-rental (Airbnb), and multifamily investors.
A transaction of this shape
Illustrative example, not a past transaction. A self-employed investor couldn't document income the bank liked, but his target — a $1,000,000 short-term-rental fourplex — threw off rent at 1.3x the payment. We closed on the property's cash flow alone, no tax returns.
Qualification considerations
What the capital sources behind this structure look at. These are their published parameters, not an offer of credit, and a file that misses one is not automatically declined — it is a conversation about which source fits.
- Credit 620+ (660+/700+ best rates)
- DSCR 1.0–1.25+
- 20–30% down
What usually rules a file out
- Property doesn't cover the payment (DSCR < 1.0)
- Owner-occupied
- No down payment
What the numbers look like
We do not publish rates, and we would not trust a site that did — pricing on a structure like this is set by the file, not by the page. What we publish instead is the model. Run your own figures through the same deterministic calculator the desk runs on a live file, free, with no sign-in and nothing to submit.
Run a DSCR estimate →What to have ready
You do not need all of this to start a conversation — submit first, and we will tell you what the specific file needs. This is what a transaction of this kind normally opens with.
- The property address, and the purchase contract if it is under contract
- A scope of work and budget, where the plan involves construction or renovation
- A rent roll and leases, where the property produces income
- Recent mortgage statements and insurance, where there is existing debt
- An entity document for the borrowing entity, and a personal financial statement
How the process runs
Submit
You tell us about the transaction. Six questions, about sixty seconds.
Underwrite
We size it against the capital sources' documented parameters and tell you where it stands.
Execute
We manage the process through term sheet, diligence, and closing.
Close
You get results, and we stay involved for the next transaction.
Worth reading beside this
Same money, two endings
Two owners get the identical capital on identical terms. Five years later, one is wealthier and one is annoyed. The difference wasn't the loan — it was what happened to the money after it arrived.
Bridge-to-permanent: timing the capital stack
Bridge capital is a tool for a moment, not a home for the asset. The deals that work plan the exit to permanent financing on day one.
Have a transaction that looks like this?
Tell us what you are working on — six questions, about sixty seconds. We review it and come back with next steps, and if this is not the right structure for it, we will say which one is.
Submit an Opportunity →Business-purpose financing only. Canady Investments is not a bank and does not lend its own funds. This page describes a financing structure and the criteria the capital sources behind it publish; it is not an offer of credit, a commitment to lend, or a guarantee of financing, and nothing here is a quoted rate or term. All terms are subject to underwriting, documentation, and third-party capital source approval.