How fast can you close a HELOC?

HELOC loans through Figure Lending close in as little as 3 days. The fully digital process means no waiting weeks for an appraisal or underwriter. You apply, verify your identity, and funds are available fast.

What are your current HELOC rates?

HELOC rates start around 6.99%. Loan amounts go up to $750,000. You don't have to touch your existing mortgage to access your equity.

What is a DSCR loan and do I qualify?

A DSCR loan qualifies you based on the rental income of the property, not your W-2s or tax returns. Rates run approximately 6–7%, and short-term rentals like Airbnb properties often qualify.

What states do you lend in?

Frank Corrieri is licensed to lend in California, Florida, Michigan, and Virginia.

What is a VA IRRRL and who is it for?

A VA IRRRL is a streamlined refinance for veterans who already have a VA loan. Minimal paperwork, no appraisal in most cases, and current rates are in the low-to-mid 5% range.

Do you work with foreign nationals buying U.S. property?

Yes. Frank offers foreign national loan programs with flexible documentation for international buyers purchasing property in the U.S.

How do I get started?

Call or text (949) 799-1037, or schedule a free quick call at frankcorrieri.com/schedule. Frank can usually give you a rate estimate in the first conversation.

Cash-Flow Based Loans for Investors (DSCR)

Qualify primarily on the property’s income, not personal DTI. Great for 1–8 unit long-term rentals and many short-term rentals.

See DSCR Options Text Frank Call (949) 799-1037

Why Investors Use DSCR

Qualify on property cash flow (DSCR threshold program-dependent)
No tax-return income calc required
Purchase, rate/term, or cash-out available
Close in personal name or LLC (varies by program)

At-a-Glance

1–8 Units

Condos/TH OK

STR Friendly

(Program-dependent)

Cash-Out

Available

Fast

Clear checklist

What We’ll Need

Lease/market rent support (or STR history where applicable)
Estimated taxes, insurance, HOA, utilities
Assets/reserves per program guidelines
Entity documents if closing in an LLC

FAQ

Can I use short-term rental income?

Often yes with proper documentation; varies by program.

Is interest-only available?

Common on many DSCR terms; we’ll show side-by-side options.

What DSCR do I need?

Thresholds vary (e.g., ~1.0–1.25+). I’ll price your scenario precisely.

See DSCR Options Text Frank Call (949) 799-1037

Educational info only; not a commitment to lend. West Capital Lending · NMLS 2543362 · Equal Housing Lender.