Getting a cash-out DSCR loan with Pillar was super straightforward. The team really gets investors—no fluff, no unnecessary delays, just a smooth process that let me tap into two of my rental property’s equity and put some extra cash in the bank to be ready for my next deals. I’ll definitely be using Pillar again on future projects.
Bruce - Denver, Co
My husband and I were halfway through a ground up build and (due to the city being incredibly difficult during permitting), our loan ran out of time with our first lender. We had just finished up framing, and needed more time than just the extension would give, so we received an email from Pillar and reached out. They put in the work to get our remaining budget built out on their forms for us, and it was probably around 3 weeks from reach out to fund the new year-long loan. They helped a lot, we were freaking out.
Wendy P - Portland Or
We needed to close on 3 single family homes; we were renovating all 3 and keeping one, selling the other 2. The seller was only willing to sell all 3 if it was a quick cash closing, so we reached out to Pillar and team, and within 24 hours they had term sheets to us. Surprisingly competitive pricing – we’ve done a lot of private and hard money loans. Closed on time, I can definitely recommend.
John S - Bellevue Wa
Me and my two partners needed money from our rental properties to buy a small apartment building. The bank loan to buy the apartment building was taking very very long and the seller was quite unhappy. We had them do a cash loan on 3 of our rental properties we owned no debt. In 2 weeks we had the money. The rental properties we refinanced within a 3 month duration but the loans had one year loan term durations incase needed. Thank you
Jatinder R - Boise Id

What types of loans do we offer?

Ground Up Construction

Ground Up Construction

  • Whether you're about to break ground, you're mid-project, or you've finished your project and just need time to sell, we've got funds ready for you.
  • Flexible Draw Schedules: Stay in control of your cash flow with draws on demand - usual turnaround time is around 4-6 days from draw submission to disbursement.
  • Built in extension at the end of the loan, so if the build takes longer than the term of the loan, you don't hit a hard wall.
  • No Red Tape: no income verification, no tax returns, and fast approvals based on the project’s value.

Cash Out Rental Loans DSCR

Cash Out Home Loans

  • Cash-out DSCR loans allow real estate investors to access the trapped equity in their rental properties without needing to sell, enabling them to reinvest in additional properties, fund home improvements, or just have additional cash available.
  • No Income Verification with DSCR Loans: DSCR loans qualify based on rental income, not personal income, making them ideal for self-employed investors or those with complex financials.
  • LLC Ownership: Certain programs allow for the DSCR loans to take title under an LLC, avoiding the need to report to personal credit. This can be a significant advantage for personal debt to income ratios.

Fix and Flip

Fix and Flip

  • Down payment on the purchase price only
  • Fix up funds built into the loan fully and interest only accrues as they are drawn upon
  • No prepayment penalty - loan ends when you sell it, no strings attached.
  • No Income Docs, No Delays: Close with confidence—no personal income verification or tax returns required.

How does Pillar work?

How does Pillar work?

  • Pillar Private Lending stands out by operating as a hybrid fund model that strategically blends private capital with institutional fund equity.
  • Some loans, such as land development projects or credit-challenged borrowers, often require full private capital backing due to their complexity and lack of resale options on the secondary market. We can provide that.
  • More standard investment loans—like cash out DSCR, fix-and-flip, and new construction loans — benefit from institutional funding, which we are licensed to provide to you.
  • This structure allows for lower costs, longer terms, lower down payments, and larger loan sizes (up to 10MM).

What sets us apart?

What sets us apart is our experience in assessing the nuances of each deal and designing a funding structure that fits the borrower’s goals and specific project needs.

Whether your project needs full private capital due to the project type or credit profile, or is better suited for a blended approach with institutional backing, we don’t try to force it into a single box.

Our goal is to customize the best loan scenario—balancing speed, flexibility, and cost—so that every borrower feels confident their loan structure is purpose-built for their success.

425.728.2762

  • Tell us how we can help you.

*Pillar Private Lending is a private lending institution that offers financial products, including fix-and-flip loans, ground-up construction loans, and cash-out refinances of investment properties. We are committed to providing clear and accurate information to help you make informed decisions about your lending needs.

All lending activities comply with federal and state regulations to ensure consumer protection.

For any questions about loan programs, requirements, or any other inquiries, please don’t hesitate to contact our friendly and knowledgeable team today. We look forward to getting you taken care of.