Business-purpose investment property loans nationwide excluding CA, AZ, NV, ND, SD, and VT.
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How we work

How IMC Structures Investment Property Deals - The Operator's Perspective

No Application Fee. Fast Scenario Review. Investor Property Financing Only.

IMC is not a rate sheet. IMC is a capital partner for investor deals that need the right structure before the file hits the wrong lender box.

A lender asks, do you qualify? A capital partner asks, how does this deal get done, what is the exit, where is the risk, and which capital source actually fits?

The broker model matters because one direct lender has one product line. IMC can review multiple capital paths and match the deal to the source instead of forcing the source onto the deal.

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DSCR Loans

  • Long-term rental financing that qualifies on property income, not personal income.
  • Right tool for stabilized rental purchases, refinance, cash-out, self-employed investors, LLC borrowers, and multiple-property owners.
  • Not the right tool when the property needs significant work before rent, the timeline is under 14 days, or the asset is still in transition.
  • Read the Massachusetts DSCR page.

Bridge Loans

  • Short-term financing used before sale, refinance, stabilization, lease-up, or permanent capital is ready.
  • Right tool for fast acquisitions, transitional properties, BRRRR buy phase, value-add multifamily, and deal rescue.
  • Not the right tool when the property is already stabilized and can go directly to DSCR or permanent financing.
  • Read the Massachusetts bridge page.

Fix & Flip / Rehab Loans

  • Short-term purchase plus renovation capital repaid through sale or refinance.
  • Right tool for distressed property, rehab projects, resale, or BRRRR phase one.
  • ARV, rehab budget, operator plan, draw structure, liquidity, and exit determine whether the deal works.
  • Read the fix-and-flip page.

BRRRR Financing

  • BRRRR is a strategy, not one product: buy, rehab, rent, refinance, repeat.
  • Phase one may be bridge or fix-and-flip capital. Phase two may be DSCR refinance after stabilization.
  • Knowing the DSCR exit before entering the bridge is how investors avoid trapping capital.
  • Read the BRRRR page.

Deal Rescue / Bank Said No

  • Emergency second-look structure when a lender falls through, DSCR is denied, appraisal misses, or closing pressure is real.
  • Right tool when the deadline is active and the first lender cannot close.
  • IMC starts with the failure point, then reviews bridge, no-ratio DSCR, cash-out, rehab, lower leverage, or staged exit options.
  • Read the Deal Rescue page.

Cash-Out and STR Paths

  • Cash-out refinance unlocks investor equity for the next business-purpose deal.
  • STR financing may use supported Airbnb or short-term rental income where eligible.
  • Both require careful review of income support, leverage, reserves, property type, and exit.
  • Review cash-out and STR financing.

Questions We Ask First

  • What is the exit: sell, refinance, hold, stabilize, or portfolio strategy?
  • Does the math work at the exit, not just at the entry?
  • What is the timeline pressure: 30-day close, 10-day rescue, or early planning?
  • Where is the risk: condition, credit, valuation, rent, reserves, title, insurance, or market?
  • Which capital source fits this risk profile and timeline?

Broker Model

  • A direct lender can only say yes or no inside its own box.
  • A broker-led capital desk can review private lenders, debt funds, bridge lenders, DSCR platforms, and other investor capital sources.
  • IMC earns a broker fee when a deal closes and discloses compensation as part of the transaction.
  • The goal is the right structure, not pushing one product into every file.

Who We Work With

  • New investors buying a first rental.
  • Scaling investors building portfolios of 2-20+ properties.
  • Self-employed investors, LLC borrowers, and borrowers with non-traditional income.
  • Investors with complicated deals: mixed-use, deferred maintenance, non-warrantable, low DSCR, or lender fallout.
  • Fix-and-flip operators and BRRRR investors at multiple experience levels.
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FAQ

Should I use a DSCR loan or a bridge loan?

Use DSCR when the property is stabilized and rent supports the debt. Use bridge when the property, timeline, condition, lease-up, or exit is not ready for permanent financing.

What is the first question IMC asks about a deal?

The first serious question is the exit. Sale, refinance, stabilization, or hold strategy determines the structure.

Why does broker-led capital placement help investors?

It gives the deal access to multiple capital source boxes instead of one direct lender guideline set.

Is BRRRR a loan product?

No. BRRRR is a strategy that usually uses short-term capital first and a DSCR or permanent refinance later.

When does deal rescue make sense?

Deal rescue makes sense when the first lender cannot close and the deadline, collateral, leverage, and exit may still support another investor capital path.

Does IMC work on consumer mortgage loans?

No. IMC is investor-only and business-purpose only.