Investment-property mortgages, built around the deal.
Provident Commercial Capital is a direct mortgage lender for real-estate investors and operators. DSCR rental mortgages, portfolio loans, bridge-to-perm structures, and full commercial mortgages — nationwide, from $250K to $25M.
Mortgage financing without the bank runaround.
Banks underwrite the borrower. We underwrite the property. That single difference is why investors, self-employed operators, and portfolio builders bring their mortgages to Provident — closings measured in weeks, not quarters, and structures that fit the asset.
Every mortgage is funded by Provident directly. No middlemen, no committee, no surprise pricing at the closing table. You work with the underwriter who structured the deal, from term sheet through funding.
Four ways to finance the asset.
DSCR Rental Mortgage
- 30-year fully amortized
- Qualifies on rental income, not tax returns
- Single-family, condo, 2–4 unit, small multifamily
- Loan amounts $250K – $25M
Portfolio Rental Mortgage
- Blanket loan across 5+ properties
- Consolidate into one payment, one lender
- Cross-collateralized for stronger leverage
- Designed for scaling investors and LLCs
Bridge-to-Perm Mortgage
- Short-term bridge during stabilization
- Refinances into long-term mortgage at lease-up
- Interest-only during the bridge period
- Single underwriter, single closing path
Commercial Mortgage
- Office, retail, industrial, mixed-use, hospitality
- Up to 75% LTV, 25-year amortization available
- Purchase, rate/term refinance, cash-out
- Owner-occupied and investor-owned eligible
Pair your mortgage with the right short-term capital.
Many investor mortgages start as a bridge, hard-money, or rehab loan, then convert to permanent financing once the property is stabilized. Provident structures both ends of the deal.
Mortgage questions, answered.
How is an investment-property mortgage different from a personal home mortgage?+
Investment-property mortgages are underwritten primarily on the property's income (DSCR) and value, not on the borrower's personal W-2 income. Rates run modestly higher than owner-occupied mortgages, but qualification is far more flexible — ideal for self-employed investors, LLC-held property, and portfolio builders.
Do I need to provide tax returns?+
No. Our DSCR and portfolio mortgages qualify on rental income, lease agreements, and the property's debt-service coverage ratio. We do not require personal tax returns or W-2s.
Can I close a mortgage in an LLC?+
Yes. Most investor mortgages are closed in an LLC or corporate entity to protect personal liability and keep title clean for resale or refinance.
What credit score do I need?+
Most of our mortgage programs require a 680 minimum FICO. Some bridge-to-perm and commercial mortgages have flexibility down to 660 with compensating factors.
How long does a mortgage take to close?+
DSCR rental mortgages typically close in 21–30 days. Commercial mortgages take 30–45 days depending on appraisal and third-party reports. Bridge-to-perm structures close on the bridge timeline first, then convert.