If your 5+ unit rental deals are getting slowed down by bank timelines, rigid DSCR overlays, or “computer says no,” you’re seeing the real gap: your client’s timeline vs traditional lender reality.
Accelerated Investment Group (AIG) is a direct private money (hard money) lender lending only in California. We help you bridge the gap by focusing on what drives approval: the current As-Is appraised value and the DSCR on the subject property.
Not for primary residences or consumer-purpose loans. Program details are subject to change without notice. All loans are subject to the marketability, quality & condition of the subject property for approval.*
You keep the relationship. We provide clear structure, fast feedback, and a realistic path to “yes” when it makes sense.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Traditional financing creates delays and uncertainty. That gap costs broker trust, repeat referrals, and deal velocity— especially in high-demand California markets.
| Your Broker Reality | What Your Client Expects | How AIG Closes the Gap |
|---|---|---|
| Banks demand years of tax returns and “perfect” income profiles. | Approval based on the asset and a clear hold/exit strategy. | No tax returns and no personal income qualification. As-Is value + DSCR drive the decision. All loans are subject to the marketability, quality & condition of the subject property for approval.* |
| Multiple closings across a portfolio creates friction and delays. | Consolidate, scale, and reduce moving parts. | Cross-collateral option: one loan secured by multiple properties (case-by-case). |
| Rigid overlays kill “real world” files (reserves, seasoning, credit quirks). | Human underwriting that sees the full picture. | No minimum FICO, as little as 0 months reserves, and no seasoning of funds/cash-out (case-by-case). |
| Slow refinances lock up capital and derail investor timelines. | Financing aligned to the hold period and exit plan. | 18-month, 2-year, 3-year IO, plus 30-year fixed (due in 5) options to match the strategy. |
Broker outcome: faster answers, cleaner expectations, and more closed 5+ unit investor transactions across California.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
California Only • Business Purpose • Case-by-Case Review
Appraisal ordered through an approved AIG vendor. Required for valuation, risk layering, and loan decisioning. Transferred appraisals considered (case-by-case).
All loans are subject to the marketability, quality & condition of the subject property for approval.*
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Interest-Only • Business Purpose • Case-by-Case
| Term Option | Structure |
|---|---|
| 18 Month | Interest-Only • No impounds required |
| 2-Year | Interest-Only |
| 3-Year | Interest-Only |
| 30-Year | Fixed • Due in 5 Years (Balloon) |
BRRRR, stabilization, and refinance-exit friendly.
DSCR = Gross Rents ÷ PITI (subject property)
All loans are subject to the marketability, quality & condition of the subject property for approval.*
One loan secured by multiple properties (case-by-case)
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Send the essentials and we’ll respond with structure, fit, and the next best move for your borrower.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
INITIAL MLDS/UW
| Stage | Turn Time |
|---|---|
| New Files (Purchase) | 1–2 Business Days |
| New Files (Refi) | 1–2 Business Days |
| Conditions | 1–2 Business Days |
Closing
| Stage | Turn Time |
|---|---|
| CTC MLDS Issuance | 1 Business Day |
| Loan Docs | Schedule at least 1–2 business days out from signed CTC MLDS |
If vesting in an LLC, Corp, Trust, or Estate:
AIG Fast-Track DSCR is designed to help you protect your reputation with clear expectations, faster responses, and reliable structure in California 5+ unit investor lending.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
California multifamily deals move fast. AIG Fast-Track DSCR is built for competitive markets, tight timelines, and investor strategy—without giving up structure.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Email a quick snapshot and we’ll confirm fit (or structure a path to qualify). As-Is appraised value + DSCR on the subject property lead the decision.
Subject line: FAST-TRACK DSCR 5+ unit rental – Broker Scenario Request
All loans are subject to the marketability, quality & condition of the subject property for approval.*
DSCR (Debt Service Coverage Ratio) loans qualify primarily using the property’s rental income versus its PITI payment, rather than personal income documentation.
Underwriting is case-by-case. The subject property’s current As-Is appraised value and DSCR are key, along with borrower profile and overall equity/risk layering.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Yes, vacant properties may be considered using market rents supported by appraisal and rent comps (case-by-case).
Fast-Track DSCR is designed to avoid tax returns and personal income documentation for qualification. Some limited documentation may still be required for compliance and review.
LLC/Corp vesting is OK and ITIN borrowers may be considered (case-by-case). Entity documents and authorized signer requirements apply.
No. This program is California only and for non-owner occupied, business-purpose transactions.
California Only • Non-Owner Occupied • Business-Purpose Loans Only
All loans subject to appraisal, underwriting, DSCR review, and equity/risk layering. Not a commitment to lend. Terms may change without notice. Not for consumer-purpose transactions.
All loans are subject to the marketability, quality & condition of the subject property for approval.*
Important: Underwriting is case-by-case. Final program availability, LTV, rates, and terms depend on the subject property’s current As-Is appraised value, DSCR, borrower profile, and overall risk review.
Company NMLS: 2633929 • DRE# 02241664 • 5330 Office Centre Ct, Ste 49, Bakersfield, CA 93309 • Phone: (661) 489-5363
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