Most lenders don’t allow you to modify the property for room-by-room rentals.

That means even if the deal makes sense on paper, they won’t approve the loan structure needed to operate it as a PadSplit or co-living property.

We work with programs that understand this model — including how the property is set up and how it actually generates income.

• Qualify using real performance

• Maximize cash flow

• Scale your portfolio faster

Whether you're purchasing or refinancing, we understand how these properties actually operate — and we structure loans accordingly.