Birch & Dobson is the parent company and capital behind LoansForLandlords.com, a direct DSCR lending platform for rental property investors.
Apply for a loan, check your rate, or learn how DSCR works.
Birch & Dobson is a direct private lender. We evaluate deals, make credit decisions, and fund loans. No brokers, no bank bureaucracy.
The lending platform you may have found us through, LoansForLandlords.com, is our front-facing operation for rental property investors. Birch & Dobson is the company behind it.
We have been doing this since 2007. The process, the credit box, and the focus on income-producing property have stayed consistent across every market cycle since.
We will tell you what we can and cannot do before we waste your time. If we do not think we can close the loan, we will not start the process. No surprises at the finish line.
Founded in 2007, we have operated through the financial crisis, rising rate environments, and regional market swings. The underwriting model is built around that experience.
Birch & Dobson manages both the lending operation and its capital relationships independently. What you see at LoansForLandlords.com is the borrower-facing side of a fully integrated lending business.
We lend money to real estate investors on rental properties using DSCR underwriting. The property qualifies on its own rental income. Your employment history, tax returns, and W2 are not the deciding factor. The deal is.
Landlords, portfolio builders, and rental property investors. Single family, duplex, triplex, quad, small multifamily. Each loan stands on the property alone.
We divide the property's rental income by the loan payment. If that number works, the loan works. Self-employed, LLC-owned, 30-property portfolio , none of that changes the underwrite. The rent roll is the underwrite.
We lend on acquisitions, rate-and-term refinances, and cash-out refinances. If you are buying a rental property or refinancing one you already own, we want to hear from you.
We close in 14 days or less. Not because we rush, but because 18 years of doing the same thing removes the surprises. No broker in the middle, no committee sign-off.
If you own rental property and need financing, LoansForLandlords.com is the right place. That is our borrower-facing platform, built for rental property investors.
Birch & Dobson has been originating real estate loans since 2007. The credit standards, the in-house process, and the focus on income-producing property have remained consistent since the beginning.
We did not start in another industry and pivot to lending. This is the business we have been in from day one , evaluating rental properties, underwriting against income, and funding loans directly.
Birch & Dobson LLC is headquartered in Rosemary Beach, FL. The principal has operated in private real estate lending since 2007, originating loans across the country with the same credit standards and the same in-house process from day one.
This is a privately held lending business, built from scratch and run by its founders. Not a franchise, not a branch of a larger institution.
We lend money to real estate investors. Direct capital, in-house underwriting, no broker in the middle.
Our DSCR lending platform for rental property investors. The borrower-facing side of Birch & Dobson's lending operation.
Our credit box is not a secret. If the deal works, we will tell you. If it does not, we will tell you that too , before you waste time on paperwork.
Founded the same year the credit markets collapsed. We have operated through every market condition since, with the same business model.