Our specialty
Small-Balance DSCR
30-year rental loans for the lower-priced homes that other lenders turn down.
- Loans $50,000–$75,000
- Home value $75,000+
- Qualify on rent, not income
Alabama-based private lender
Rental, rehab and tax deed loans, starting at $50K.
The same loan programs the national lenders offer, plus the ones they won't touch: $50K DSCR loans on $75K homes and Alabama tax deed rehabs with quiet title funded at closing.
$50KDSCR loan minimum
100%of rehab financed
Tax deedrehab + quiet title
Loan programs
One lender for every stage of the deal
Buy it, fix it, rent it, refinance it. Business-purpose loans for investors on 1–4 unit homes, multifamily and commercial property.
Rental
DSCR Rental
Long-term financing for single rentals and portfolios.
- Loans $75,000+
- Home value $100,000+
- 30-yr fixed, purchase or refi
Short-term
Fix & Flip
Purchase and renovation funds in one loan, funded from our own capital.
- 80% of purchase price
- 100% of rehab
- Up to 70% of ARV
Alabama only
Tax Deed Rehab
We fund the renovation and the quiet title on Alabama tax deed properties.
- Rehab funds + title clearing
- Quiet title escrow at closing
- You must already hold the deed
Short-term
Bridge
Close quickly now, then stabilize or refinance into a DSCR loan.
- Interest-only payments
- Purchase or refinance
- Rental, BRRRR, short-term rental
Construction
New Construction
Ground-up financing for spec homes and build-to-rent projects.
- 1–4 unit builds
- Construction draws
- Build-to-rent exit
Wholesale
Transactional Funding
Same-day funds for double closings.
- No credit check
- 0.75% fee ($750 min)
- No fee if it doesn't close
Larger deals
Multifamily & Commercial
Bridge and term financing for 5+ unit and commercial properties.
- 5+ units
- Purchase or refinance
- Multifamily experience preferred
Tax deed rehab loans
Your tax deed has no clear title. We lend on it anyway.
Most banks and national lenders won't touch a property until the title is cleared. We fund the renovation and the quiet title action together, so you can fix the house while the title is being cleared.
Alabama tax deed properties
Before you apply: you must already hold the tax deed. We fund the rehab and quiet title, not the auction bid.
You win the deed
You buy the tax deed at the county sale and receive the deed.
We fund the rehab and the title work
Renovation funds are released in draws. A quiet title escrow is set up at closing and paid to the attorney.
The title is cleared
The quiet title action goes through the courts while your crew works on the house.
Sell it or keep it
Sell with a clear title, or refinance into one of our DSCR rental loans and keep the house.
Small-balance DSCR
A $75,000 house deserves a real rental loan too.
Many DSCR lenders set their minimum loan above $75,000. In a lot of Alabama markets, that rules out the houses that produce the best rent for their price. We go down to $50,000.
$50Kminimum loan
$75Kminimum home value
- Qualify on the property's rent, not your tax returns
- Close in your LLC
- 30-year fixed, fully amortizing
- The home must be rent-ready. If it needs work, start with a fix & flip or bridge loan and refinance later.
Quick DSCR check
DSCR = monthly rent ÷ monthly payment (principal, interest, taxes, insurance and HOA dues).
LTV–
Payment (PITIA)–
DSCR–
Who we work with
Built for investors and the people who bring them
Real estate investors
First flip or fiftieth door. We weigh your experience and the deal alongside your credit.
Apply now →Mortgage brokers
Your fees are protected on the settlement statement and paid on future deals, and you get a secure portal for documents.
Become a broker partner →Wholesalers
Same-day transactional funding and free proof-of-funds letters, so you can keep your deals moving.
Request proof of funds →“Simple Funding was able to fund my deal when no one else could! Highly recommend.”
“I was able to fund my tax deed rehab and clear the title – these guys are experts in their field.”
Current borrowers
Manage your loan
Make a payment, request a draw or get a payoff statement. No phone call needed.