Reliable Financing for Real Estate Investors
Investor-focused financing for long-term rental properties is what DSCR Loans Direct delivers. Our DSCR loans prioritize property cash flow, offering quick approvals and flexible terms to simplify portfolio growth or refinancing. With a hassle-free process, we empower you to build your rental investments with ease. Fill out the form below to get started today.
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Long-Term Rental (LTR) loans are crafted specifically for real estate investors seeking to generate stable rental income. Designed for properties with long-term tenants, these loans provide competitive rates, flexible terms, and a simple approval process. Whether you’re expanding your rental portfolio or refinancing an existing property, our LTR loans ensure you have access to reliable capital to support your investment goals.
Tailored for Real Estate Investors
Our Long-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:
First time investor allowed
Minimum of 680.
20% down payment with 3 months of reserves.
SFR, Condo, Townhome, 1–10 Units
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Key Loan Terms for Real Estate Investors
Transparent and Investor-Focused Loan Terms
Where We Lend
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
VP of Originations
As Vice President of Origination at Sphinx Capital, Carlos Velez brings over 12 years of experience in sales leadership and operational strategy to the private lending industry. A proven expert in driving growth, optimizing processes, and delivering large-scale projects with precision, Carlos is known for his ability to turn complex challenges into seamless, successful outcomes.
Before joining Sphinx Capital, Carlos led high-performing teams across multiple industries, earning a reputation for his strategic mindset, process innovation, and commitment to excellence. This skillset means every transaction is handled with efficiency, transparency, and care.
Beyond his professional role, Carlos is passionate about exploring new places and creating meaningful experiences. He enjoys traveling, taking his RV out for camping adventures, and expressing his creativity through music and studio art. Whether on the road, in the studio, or at the office, Carlos brings the same curiosity, creativity, and drive that define his approach to leadership and life.
CEO
Lance Stukaloff founded Sphinx Capital after extensive experience in the real estate finance industry – starting with business development for two of the largest fintech lenders in the country. Along the way, Lance built a nationwide network of over 5,000 mortgage brokers, many of whom are still partners today. Lance lives in Sarasota, Florida and actively invests in his own projects across the country.
During the past 10 years in the finance industry he has arranged over $750M in equity and debt for real estate developments and investments worldwide. He holds a bachelor's degree in economics and entrepreneurship from Washington University in St. Louis.
Operations
He began his real estate career working as a summer intern for Realty Shares, a startup crowdfunding lending platform in San Francisco.
From there he spent a year as an accountant for a life insurance company before joining forces with Lance at Sphinx Capital.
Warren is a steady analytical wizard, able to quickly discern between potential landmine and goldmine scenarios.
Warren has a degree in Finance & Accounting from Montana State University.
Our Portfolio
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