DSCR
Acquire. Hold. Refinance.Rental financing built around the property's cash flow, with credit, leverage, reserves, and ownership reviewed together.
Rental income · Debt service · Long-term holdReal estate investor financing
Your next move.Structured.
A rental. A renovation. A ground-up build. Bring the property and the plan. Brad works through the financing structure, the guideline friction, and the path forward.
Preliminary deal review. Not a loan application. No credit pull here.
DSCRBridgeFix + FlipConstruction
Your direct point of contactBradly D. MetzInvestment Property Lending SpecialistNMLS #2880165
443.233.8102 01 / Have a deal?
Submit a Deal
One focused brief. Direct review by Brad. No credit pull here.
02 / Working the numbers?
Analyze My Deal
Explore leverage, cash flow, rehab, and the capital your plan needs.
03 / Researching a property?
Property Market Report
Value, rent, and comparable support—with evidence limits made clear.
The capital desk
One plan.
The right financing lane.
The loan should serve the business plan. Start with what you're doing with the property; the structure follows from there.
Explore programs & eligibilityStart this deal
Bridge
Move now. Stabilize next.Short-term financing for an acquisition, a timing gap, or a property in transition—with the exit considered from the start.
Acquisition · Stabilization · Defined exit
Fix + Flip
Buy. Improve. Exit.The purchase, renovation budget, draws, carry, liquidity, and after-repair value examined as one project—not isolated numbers.
Acquisition + rehab · Draws · ARV
New construction
From land to the last draw.Land, plans, budget, contingency, experience, and the completed value aligned with the build and the takeout strategy.
Land · Construction budget · TakeoutNot a standard scenario? Foreign national, short-term rental, first-time investor, and mixed-use requests receive a scenario-specific review.
Specialty programsA closer look / DSCR refinance
Equity is an opportunity.Structure the release.
Consider the equity you can access alongside the payment, reserves, costs, and your next investment—not leverage alone.
Review my refinanceDSCR cash-out leverage depends on the borrower, property, credit, DSCR, reserves, seasoning, state, valuation, and current lender guidelines.
Nominate an appraiser.
Select business-purpose programs may allow nomination of a qualified appraiser. Lender acceptance and valuation-independence requirements apply; the lender retains final authority.
Bradly D. Metz NMLS #2880165
The person behind the structure
A direct line.
A considered approach.
Brad's focus is investment-property financing: understanding the strategy, identifying the constraints early, and shaping a financing path around how the deal needs to work.
- Property first
- Cash flow, value, condition, and the exit.
- Whole-deal thinking
- Leverage is only one part of the capital plan.
- Direct communication
- Bring the questions to the person reviewing the deal.
Financing access through Caliver Beach Mortgage, LLC · Company NMLS #1434247. Subject to current authorization and transaction eligibility.
The team behind the desk
Led by Brad.
Built on relationships.
Bradly D. Metz leads Investor Funding Desk as your Investment Property Lending Specialist. Anthony supports the relationships behind the deals.
Anthony Hays
Investor Relations Associate
NMLS #2896054Anthony is a real estate investor turned mortgage professional, bringing an investor's perspective to client relationships and deal coordination. Select Anthony in your intake to send him your brief, with Brad copied for financing review.
Client perspectives
The experience,
in their words.
Read client feedback on communication, problem-solving, and execution.
All client reviewsJTRecommends ★
“Brad is an absolute pleasure to work with. He is nothing short of a consummate professional who is on call day and night to make sure your deal makes it to the closing table. I 100% recommend Brad to anyone looking to grow their portfolio.”
AWRecommends ★
“Brad was absolutely wonderful for our out-of-state home purchase. Closed quickly, very responsive and willing to answer all of our questions at any time. Highly recommend him, and can’t wait to do more deals!”
FRRecommends ★
“As my first time purchasing a home to flip, he guided me well through the entire process. We hit several bumps on the road but nothing he couldn’t manage, and he still led me to closing and getting my first keys. Very committed and a man of his word!”
JRRecommends ★
“Brad is a stand-up guy. He helped us with a somewhat challenging loan, helped us get funded, and helped us close ahead of schedule. If you need someone who will legitimately go the extra mile for you, he’s the guy.”
DJRecommends ★
“This guy under promises and over achieves. I brought Brad into a risky, time-sensitive deal and the guy got it done without a sweat. Brad is not only great for business assistance but is also good with people.”
SVRecommends ★
“Brad cares about his clients. He goes out of his way to make sure he gives the most accurate and up-to-date information. We will be using his services again.”
JTRecommends ★
“It was a great experience working with Brad on getting my property refinanced. Brad takes a very client-oriented approach and was always there to answer any questions or do everything within his power to find solutions. The loan he got me also had the best rates and terms out of every lender I spoke to. Brad doesn’t stop working for you until the deal is done.”
Investor intelligence
Read the friction.
Before the fine print.
Practical field notes for the decisions that shape a deal.
All investor intelligenceBring Brad the deal
The next move
starts with the deal.
Start with a non-sensitive deal brief. Formal applications and documents belong in the appropriate secure process.