PCC/Owner-Operators

Stabilized assets.
Optimized capital.

For owner-operators and asset managers running income-producing portfolios — agency permanent debt, DSCR term loans, takeout financing, and supplemental capital structured around your hold strategy and exit timeline.

Agency Permanent
DSCR
Takeout
Supplemental
Cash-Out Refi
Inventory
Portfolio
Agency Permanent — From
10yr T + 1.55 pts  ·  6.40%
DSCR Term — From
30yr Fixed from 6.75%
Max LTV — Agency
Up to 80%
Max LTV — DSCR
Up to 80%
Supplemental — Max Combined
Up to 80% CLTV
Minimum DSCR
As low as 1.00×
DSCR Term Loans
Debt Service Coverage
From
6.75%fixed
30-yr amortization
Asset-level underwriting for SFR, small multifamily, and mixed-use operators. No personal income verification — qualification based on property cash flow.
Up to 80% LTV
1.00× DSCR min
5/1 or 30yr Fixed
Portfolio eligible
Takeout Financing
Construction & Bridge Takeout
From
6.50%
perm or mini-perm
Permanent or mini-perm financing to retire construction or bridge loans at stabilization. Structured in advance so your exit is certain before you break ground.
Agency-eligible
DSCR eligible
3–10 yr mini-perm
Pre-arranged available
Inventory Loans
Completed & Unsold Inventory
From  ·  SOFR + 3.0 pts
6.66%
Bridge financing on completed, income-producing inventory pending individual sale or portfolio recapitalization. Short-duration, high-leverage.
Up to 75% LTV
Term to 24 months
SFR & multifamily
Cash-Out Refinance
Equity Recapitalization
From  ·  10yr T + 1.75 pts
6.60%
Pull equity from stabilized assets without triggering a sale. Used by operators to fund acquisitions, fund improvements, or recapitalize the portfolio on better terms.
Agency or DSCR
Up to 75% LTV cash-out
Non-recourse available

Additional capital
& advisory services

Debt optimization doesn't end at closing. PCC advises on supplemental leverage, cap structures, and rate hedging for operators managing assets at scale.

Supplemental Loans
Fannie / Freddie Supplemental
Second-position financing layered on top of existing agency debt without prepaying the first loan. Access trapped equity without a full refinance — preserves a below-market first-lien rate while pulling cash.
Available on Fannie Mae and Freddie Mac senior loans · Min 12 months seasoning
Preferred Equity & Mezz
Gap Fill & Recapitalization
Mezzanine debt and preferred equity to fill the gap between senior debt proceeds and total project cost or recapitalization target. Structured to fit within existing lender covenants.
Available where senior lender permits · Intercreditor required
Rate Cap Advisory
Interest Rate Cap Procurement
Floating-rate debt requires rate cap coverage on most agency and bridge programs. PCC advises on strike selection, cap duration, and counterparty sourcing — coordinated with your lender requirements and hold strategy.
Required on most SOFR-indexed bridge and agency floating programs

From inquiry to
closed.

01

Deal Review

We review your asset, financials, and capital objective within one business day. If it fits, we proceed immediately.

02

Lender Selection

We identify the optimal lender for your asset type, hold horizon, and rate environment — not just whoever is quoting lowest today.

03

Term Sheet

We negotiate and deliver a term sheet with full transparency on economics, structure, and prepayment. No surprises at commitment.

04

Close

We manage the process from application through closing — coordinating third parties, tracking conditions, and ensuring your timeline holds.

Ready to optimize
your capital stack?

Every inquiry is reviewed personally. If we can help, you'll hear from us within 24 hours. If we can't, we'll tell you that too — and point you somewhere that can.

All inquiries held in strict confidence
No obligation — honest assessment guaranteed
Domestic portfolios and individual assets welcome
Response within one business day
Submit a Deal
Palm Crest Capital, LLC — Owner-Operators

All submissions are held in strict confidence.