Financing

Financing Your Investment with Property Rush

At Property Rush, we understand that financing can be just as important as the property itself. That’s why we provide flexible solutions designed to create smooth pathways for investors of all backgrounds — whether this is your first property or the next addition to a thriving portfolio.

Our Financing Options

1.

DSCR Loans (Debt Service Coverage Ratio)

We’ve partnered with top-tier private lending institutions to offer DSCR loans that bypass many of the traditional roadblocks you experience with traditional conventional loans. If you’re seeking streamlined approval, minimal documentation, NO W2 requirements, and faster closings, these loans have been the loan of choice for our investors since 2022.

Investor Tip:

These loans are ideal if you do not meet the cookie cutter box that so many traditional conventional lenders require. This is ideal for business owners, 1099 pay, unconventional borrowers. DSCR loans focus more on the specific property to ensure it will cash flow in order to cover the debt but will also factor in your credit score, liquid cash, etc. Perfect for investors looking for long term 15-30 year fixed rates without the hassle.

2.

Conventional Mortgages

Prefer a traditional route? We work with trusted lenders at both the local and national level to provide competitive rates on standard 15- and 30-year fixed loans. Our team helps you evaluate options and coordinate the process for a smoother experience.

Investor Tip:

Best for long-term buy-and-hold strategies. A stable, fixed rate locks in predictable payments for consistent cash flow. Most likely will have the lowest rate assuming your credit score and other factors are top notch.

3.

Home Equity Lines of Credit (HELOC) & Cash-Out Refinancing

Already own a home? Leveraging your equity through a HELOC or cash-out refinance can be a smart way to fund your Property Rush investment. This strategy often allows for quick access to capital while keeping upfront cash reserves intact.

Investor Tip:

Great if you want to unlock the value of your primary residence without selling it. Often one of the fastest ways to scale into multiple properties. Put your equity to work!

4.

Self-Directed Retirement Account Investing

If you’re investing through a self-directed IRA or 401(k), we can guide you through financing strategies that let your retirement savings work harder, without sacrificing tax advantages.

Investor Tip:

A smart choice if you want to diversify your retirement portfolio. Real estate inside a self-directed account can grow tax-deferred or even tax-free.

5.

Seller Financing (When Available)

Occasionally, we may offer seller-financed opportunities for select properties. These arrangements vary, but they can provide additional flexibility and quick access in competitive markets. Contact us to explore current availability.

Investor Tip:

Seller financing can help you enter deals with lower barriers. Terms are often more flexible than traditional loans — great for creative investors.

Why Finance Through Property Rush?

Fast Turnaround

We’ve streamlined the process so that financing often completes in just a few days—or at most a few weeks—so you can move forward without delay.

Convenience and Clarity

No more gathering years of tax returns or wading through jargon. We handle the heavy lifting and keep things transparent.

Competitive Rates & Terms

Whether leveraging private lending or traditional financing, we aim to secure terms supporting your investment goals.

Tailored Support

Based in Chattanooga, our team speaks your language, whether you’re local or investing from afar. We’ll help you choose the ideal financing structure for your needs.
Financing

How to Get Started

01

Set Up a Consultation

Schedule a time to talk with our Investor Coordinator and discuss your unique goals and financing preferences.

02

Review Financing Options

We’ll present the best paths available, whether they involve our in-house options, traditional loans, or creative alternatives.

03

Accelerated Pre-Approval

Once you’ve chosen your method, we’ll submit documentation and get you pre-approved quickly.

04

Close and Invest

Finalize your financing and move forward confidently, knowing you’re partnering with a team prioritizing your success.

Ready to Explore Your Financing Options?

Schedule a Financing Consultation

Let us help you confidently navigate financing and make your Chattanooga real estate investment smoother, faster, and more strategic.

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