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PILLARPRIVATE LENDING
Illustrative brick duplex with warm interiors and landscaped entrances

Built for rental investors

DSCR financing.For your next move.

Buy rentals, put equity to work, and replace hard money with long-term financing. A dedicated partner for investors, builders, and the lenders who help them get started.

Northwest roots. Rental financing across eligible U.S. markets.

Check Loan OptionsTalk Through My Deal

No obligation. Representative scenarios only — talk with an experienced investment advisor.
(844) 733-2629

Built for rental investors

Buy. Refinance. Put equity to work.

DSCR compares a property’s rental income with its debt payments. Choose your goal to explore how rental cash flow can support your financing.

Buy a rental

Explore DSCR financing for your next rental property purchase.

DSCR purchase loans

Refinance a rental

Review options to replace existing debt and align your loan with your hold strategy.

Rate-and-term refinance

Put equity to work

Explore cash-out refinancing for your next investment, subject to equity and program requirements.

DSCR cash-out refinance

Eligibility and terms depend on the property, credit, cash flow, and program guidelines.

Illustrative two-unit rental property with separate entrances

For hard money lenders, brokers & builders

You fund the project.
We help finance the rental hold.

Your borrower is ready for the next chapter. Pillar focuses on DSCR takeout financing that can replace short-term project debt with a long-term rental loan, helping investors hold the property and giving lending partners a path to recycle their capital.

Bring us into the exit conversation early. We review the payoff, maturity, property readiness, rent, and potential financing gap, then coordinate next steps with you and the borrower.

Discuss a Takeout Explore hard money to DSCR

Takeout financing is subject to property, borrower, and program review. An initial review is not a commitment to pay off the existing loan.

Completed home still for sale? Explore a builder rental takeout.

The Pillar approach

Rental financing.
Informed by real investment experience.

Pillar is led by people with firsthand experience investing in real estate. Based in the Seattle area, we help rental investors connect the property, cash flow and hold strategy to their financing across eligible U.S. markets.

Meet the Pillar approachExplore markets and program considerations

Availability varies by state, property, and lender. An advisor confirms eligibility for your scenario.

  1. 01

    Start with the property

    Review the rent evidence, property costs, existing debt and timing behind your next move.

  2. 02

    Compare the financing

    An advisor reviews purchase, cash-out, refinance, or takeout options and the documentation needed for your rental scenario.

  3. 03

    Understand the tradeoffs

    Weigh closing costs, cash left for reserves and loan structure against your expected hold period.

What Investors Say

Real experiences from investors who have worked with Pillar.

Rajesh & Priya

We have many rental homes already and wanted to buy more. The Pillar DSCR loan was what we wanted. The process was straightforward, the terms were competitive, and they kept us updated as we closed.

Review excerpt · Dallas, TX
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We have many rental homes already and wanted to buy more. The Pillar DSCR loan was what we wanted. The process was straightforward, the terms were competitive, and they kept us updated as we closed. They answered every question we had, and we will be using them again as we continue to grow our portfolio. Thank you.

Original financing: DSCR

Mark S

Their communication was excellent, and knowing we had an experienced team behind us made the entire project much less stressful.

Review excerpt · Boise, ID
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I was building an investment property from the ground up and wanted a lender that understood construction financing — the banks we've worked with have no idea how they work, it was a nightmare. Pillar helped us put together the budget, walked us through the draw process before we started, and kept funding moving throughout construction. Their communication was excellent, and knowing we had an experienced team behind us made the entire project much less stressful. We'll be back for our next build.

Original financing: Construction

Tom and Freida

Pillar understood exactly what we were trying to accomplish and stayed with us every step of the way.

Review excerpt · Tucson, AZ
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We purchased a 24-unit apartment building that needed significant renovations, from roofs and windows to updating units as tenants moved out. Pillar understood exactly what we were trying to accomplish and stayed with us every step of the way. Draw requests were handled quickly, communication was excellent, and having a lender that actually understood value-add real estate made a huge difference. We'd confidently recommend them to any real estate investor.

Original financing: Commercial / Value-Add

Chris & Megan

A mortgage friend recommended Pillar, and they made the entire process easier than we expected.

Review excerpt · Raleigh, NC
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We were getting ready to take on another flip and needed a lender that could move quickly and actually understood how these projects work. A mortgage friend recommended Pillar, and they made the entire process easier than we expected. They helped us structure the loan, kept everything moving, and every renovation draw was funded quickly so our contractors never had to wait. We'd absolutely use Pillar again on our next project.

Original financing: Fix & Flip

Recently Funded

Rental financing in action.

Every investment opportunity is different. These representative transactions illustrate how Pillar structures real estate financing for experienced real estate investors.

Explore All Completed Deals
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Past transactions are provided for informational purposes only. Financing structures, terms, and closing timelines vary by borrower, property, market, and underwriting review. Past performance does not guarantee future results. Property imagery is representative and may not depict the actual financed property.

Investor Tools

Run Your Numbers First

Stress-test a deal, then request a lender-reviewed scenario.

Estimate your financing scenario before speaking with an advisor. This takes less than a minute.

View all investor tools

Explore financing for your investment strategy

Compare property fit, qualification factors, and what to prepare

DSCR rental loans

Program options by market

A financing partner for your rental strategy

A focused conversation about the property, the financing and your next decision.

01

Investor Timelines

Bring the contract dates and loan maturity into the financing conversation early.

02

Direct Advisor Access

Work with loan strategists who know your portfolio and repeat deal flow.

  • 03

    Rental-Focused Review

    Evaluate rental income, equity, loan structure, and the cash needed for your next move.

  • 04

    Operator Mindset

    Discuss rent support, payoff timing, reserves and the plan for holding the property.

  • 05

    Multi-Market Reach

    DSCR financing across eligible U.S. markets, with program availability reviewed for each property.

Our Philosophy

Every deal starts with a conversation.

Technology helps us understand the scenario faster. Human judgment decides how the financing should be structured.

Prefer to talk first? (844) 733-2629 · Why Pillar

Illustrative two-unit rental property with separate entrances

Next Step

Ready for your next rental investment?

Bring us your property, financing goal, and timeline. Explore DSCR purchase, refinance, cash-out, or takeout options with Pillar.

Check Loan OptionsTalk Through My Deal

No obligation. Representative scenarios only — talk with an experienced investment advisor.