About Us
About Debt-Service Coverage Ratio (CGS)
Empowering Your
Financial Future
We specialize in providing flexible, customized financing options designed specifically for residential real estate investors. Whether you're acquiring single-family rentals, renovating fixer-uppers, or building new residential developments, our programs are structured to help you close faster and grow smarter.
Our Story
CGS Lending was founded with a clear purpose: to deliver innovative lending solutions to residential real estate investors. Over the years, we've built a strong reputation as a trusted partner providing expert guidance and financial support to clients building profitable residential portfolios. With a deep focus on single-family and residential properties, we help investors navigate every stage of the financing process with confidence.
Our Mission
At CGS Lending, our mission is to empower residential real estate investors by offering tailored lending programs that fit their unique investment strategies. We are committed to building long-term partnerships with brokers and investors ensuring they have the financial resources needed to grow their residential portfolios and succeed in today's competitive housing market.
Our Comprehensive Range Of Loan Programs
Our loan programs are designed to address the diverse needs of real estate investors, offering the flexibility and support necessary to take advantage of market opportunities.
Bridge Loans for Fix and Flip
This program is designed for investors looking to purchase, renovate, and quickly resell properties for profit. Our bridge loans provide short-term funding with competitive rates and fast approvals, enabling you to capitalize on fix-and-flip opportunities.
DSCR Loans For Long-Term Rental
For investors focused on long-term rental properties, our DSCR loans consider rental income generated by the property to determine eligibility. With favorable terms and competitive rates, this program helps investors build a steady rental income stream.
Ground-Up Construction Loans
Designed for investors with new construction projects, this loan provides the capital needed to build residential properties from the ground up. Our flexible financing options help ensure your project is completed on time and within budget.
Why Choose Debt-Service Coverage Ratio (JJT) For Your Lending Needs?
We are committed to providing our clients with top-notch financial solutions and exceptional service.
Extensive Experience
Our team has extensive experience in residential real estate lending. We understand the unique challenges investors face and provide expert guidance to help you navigate the lending process.
Customized Solutions
We recognize that every borrower and property is unique. We tailor our lending services to meet your specific investment needs, offering loans that align with your project goals and timeline.
Speed & Efficiency
We know that timing is crucial in the real estate industry. With our efficient application process and quick approvals, you can secure the funds you need in a timely manner, allowing you to capitalize on market opportunities.
Competitive Rates and Terms
Enjoy competitive interest rates and flexible repayment terms designed to maximize your investment returns.
Exceptional Customer Service
Our experienced team is here to guide you every step of the way, offering personalized support and expert advice.
RATES AS LOW AS
From 5.75%
LOAN AMOUNTS FROM
$200K+
LOANS FUNDED AS SOON AS
14 Days
FLEXIBLE LOAN TERMS
30 Years