Specialized financing for PadSplit properties and room rental strategies across the U.S. We understand the unique challenges of analyzing per-room income potential, occupancy models, and cash flow structures.
Conventional mortgages rarely work for active PadSplit properties due to Fannie Mae/Freddie Mac guidelines. We work with specialized lenders who understand the room rental model.
PadSplit properties can generate 2-3x the rental income compared to traditional single-family rentals when properly managed.
Canadian investors can access U.S. PadSplit opportunities with our specialized cross-border financing expertise.
DSCR loans close in 30-45 days, bridge financing within 30 days, giving you speed to capture opportunities.
Qualify based on the property's rental income rather than personal income verification-ideal for investors.
We work with lenders who understand the PadSplit business model, per-room income analysis, and occupancy patterns.
Specialized funding for single-family-to-PadSplit conversions, including renovation costs and stabilization periods.
From acquisition through refinancing, we provide comprehensive financing solutions designed specifically for the PadSplit and room rental investment model.
Acquisition financing specifically designed for PadSplit properties and room rental investments. We work with lenders who understand the per-room income model and can underwrite based on realistic projections.
Pull equity out of your performing PadSplit properties to fund new acquisitions or conversions. Refinancing lets you scale your portfolio using the income your properties are already generating.
Short-term financing for conversions and stabilization periods. Bridge loans provide the capital you need to acquire, convert, and lease up before refinancing into permanent financing.
Specialized funding for single-family-to-PadSplit transitions, including acquisition, renovation, and conversion costs. Transform traditional properties into high-yielding room rental investments.
Consolidate multiple PadSplit properties under one blanket mortgage for simplified management and potentially better terms. Scale your operation efficiently as you grow.
Debt Service Coverage Ratio financing based on your property's rental income rather than personal income. DSCR loans are ideal for investors who want to scale without traditional income documentation.
Pick the stage that matches your file — then follow the links.
First rental through door four — learn, underwrite, get approved.
Past the four-mortgage wall — portfolio structure and the next acquisition.
Canadians buying US cash-flow — DSCR, entities, and state playbooks.
5+ units, CMHC MLI, development takeout, and capital plans.
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“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
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“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
Everything you need to know about complete padsplit financing solutions.
Lenders evaluate STR differently — let's talk about your options.
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