Get Paid on Your Borrowers' Exits -
Up to 1% on Funded DSCR Loans
You fund the fix-and-flip. We finance the exit - a DSCR refinance for your borrower, or a DSCR purchase loan for the investor buying from them. Earn referral fees when your borrower closes a DSCR loan through DSCRFlow, originated by a direct lender licensed in your borrower's property state.
Built for Private Lenders
Whether your borrower refinances or sells to an investor, refer the DSCR loan on the exit and earn up to 1%.
Give your borrowers a path to permanent financing. You get paid when they close.
When your borrower needs to refinance out of their note, refer them to us.
You lend your own capital. We provide the takeout financing. A natural partnership.
Three Steps to Get Paid
Tell your borrower - or the investor buying from them - about DSCR financing through DSCRFlow. Share your unique referral link or pass their contact info. That's all.
A direct lender licensed in the property state handles the entire loan process - application, underwriting, disclosures, funding. You don't negotiate terms, take applications, or process paperwork.
When the loan funds, your referral fee is deposited within 15 business days. Track everything in your dashboard.
How the program works day-to-day
You get a single referral link at sign-up. It covers BOTH exits: your borrower's refinance takeout and the buyer's purchase loan when they sell. Put it in your payoff letters, exit conversations, listing packets, and email signature — every borrower who applies through it is automatically tracked to you. No per-deal links to create, ever.
The moment your borrower submits an application, a referral shows up in your dashboard with the property, loan amount, and application status — and you get an email. Status updates automatically as the loan moves forward.
Each referral starts on the option you elected at sign-up. You can switch it for that deal in your dashboard until 2 business days after the borrower applies — then it locks. Options available depend on the property state (see the table below).
Your referral link lands on a page carrying YOUR logo and company name, then a guided application with a 60-second qualification check, secure document upload, and a portal that tracks the loan to closing — with a "referred by {your company}" line throughout. Prefer to stay behind the scenes? Share the plain link and borrowers see DSCRFlow branding only. Payouts are identical either way.
No taking applications, quoting rates or terms, negotiating, or collecting loan documents. You make the introduction; a direct lender licensed in the property state does the lending. That split is what keeps the program compliant in every state.
Fees are earned only when a loan funds, and pay out within 15 business days of funding to the payment method on file. Your dashboard shows estimated amounts per referral from day one and locked amounts at funding.
Choose Your Compensation Model
Depending on your borrower's property state, you have up to three options - and you can pick per deal.
Your dashboard shows which options are available for each referral based on the borrower's property location.
Every state at a glance
What's available for a referral in each property state.
| State | Available options | Notes |
|---|---|---|
| AK GREEN | Option 1, Option 2, Option 3 | |
| AL GREEN | Option 1, Option 2, Option 3 | |
| AR GREEN | Option 1, Option 2, Option 3 | |
| AZ RED | Option 3 | borrower credit only |
| CA GREEN | Option 1 (flat $2,000), Option 2 (flat $2,000 + 0.5% credit), Option 3 | flat-fee state |
| CO GREEN | Option 1, Option 2, Option 3 | |
| CT GREEN | Option 1, Option 2, Option 3 | |
| DE GREEN | Option 1, Option 2, Option 3 | |
| FL GREEN | Option 1, Option 2, Option 3 | |
| GA GREEN | Option 1, Option 2, Option 3 | |
| HI GREEN | Option 1, Option 2, Option 3 | |
| IA GREEN | Option 1, Option 2, Option 3 | |
| ID YELLOW | Option 1, Option 2, Option 3 | |
| IL GREEN | Option 1, Option 2, Option 3 | |
| IN YELLOW | Option 1, Option 2, Option 3 | |
| KS GREEN | Option 1, Option 2, Option 3 | |
| KY YELLOW | Option 1, Option 2, Option 3 | |
| LA GREEN | Option 1, Option 2, Option 3 | |
| MA GREEN | Option 1, Option 2, Option 3 | |
| MD GREEN | Option 1, Option 2, Option 3 | |
| ME GREEN | Option 1, Option 2, Option 3 | |
| MI YELLOW | Option 1, Option 2, Option 3 | |
| MN RED | Option 3 | borrower credit only |
| MO YELLOW | Option 1, Option 2, Option 3 | |
| MS GREEN | Option 1, Option 2, Option 3 | |
| MT GREEN | Option 1, Option 2, Option 3 | |
| NC RED | Option 3 | borrower credit only |
| ND NO COMP | Referrals accepted - no commission or lender credit | |
| NE YELLOW | Option 1, Option 2, Option 3 | |
| NH RED | Option 3 | |
| NJ RED | Option 3 | borrower credit only |
| NM GREEN | Option 1, Option 2, Option 3 | |
| NV RED | Option 3 | borrower credit only |
| NY RED | Option 3 | borrower credit only |
| OH GREEN | Option 1, Option 2, Option 3 | |
| OK YELLOW | Option 1, Option 2, Option 3 | |
| OR RED | Option 3 | borrower credit only |
| PA YELLOW | Option 1, Option 2, Option 3 | |
| RI GREEN | Option 1, Option 2, Option 3 | |
| SC GREEN | Option 1, Option 2, Option 3 | |
| SD GREEN | Option 1, Option 2, Option 3 | |
| TN YELLOW | Option 1, Option 2, Option 3 | |
| TX YELLOW | Option 1, Option 2, Option 3 | |
| UT NO COMP | Referrals accepted - no commission or lender credit | |
| VA YELLOW | Option 1, Option 2, Option 3 | |
| VT NO COMP | Referrals accepted - no commission or lender credit | |
| WA YELLOW | Option 1, Option 2, Option 3 | |
| WI GREEN | Option 1, Option 2, Option 3 | |
| WV YELLOW | Option 1, Option 2, Option 3 | |
| WY YELLOW | Option 1, Option 2, Option 3 |
Compliant by Design
This program is built on a 50-state compliance framework. Here's how it works.
- Refer borrowers who need DSCR financing
- Share your unique referral link
- Tell borrowers about the program generally
- Optionally join a 3-way intro call
- All loan disclosures and processing
- Underwriting and closing by a licensed direct lender
- Compliance per property state
- Quote rates or loan terms
- Negotiate with the borrower
- Take mortgage applications
- Collect financial documents
All loans in this program are business-purpose DSCR loans for non-owner-occupied investment properties - typically to LLC borrowers. Federal consumer mortgage laws (RESPA Section 8, TILA, SAFE Act) contain exemptions for business-purpose loans under Regulation Z (12 CFR 1026.3(a)) and Regulation X (12 CFR 1024.5(b)(2)). This is the same legal structure used across the DSCR lending industry.
State-by-state design.
🟢 Green states (25): full payout flexibility - Option 1, 2, or 3
(in California, Option 1 is a flat $2,000 per funded referral).
🟡 Yellow states (15): all options with enhanced compliance documentation.
🔴 Red states (10): Option 3 only (borrower lender credit). In three
states - North Dakota, Utah, and Vermont - no commission or lender credit is
currently available, though referrals are still accepted.
The system automatically shows what's available for each referral - referrals
are accepted in all 50 states.
DSCRFlow is a marketing and technology platform. All loan origination is performed by a direct lender licensed to operate in the property state. Referral fees are paid by DSCRFlow for marketing and referral services.
This summary is for informational purposes. Every referral relationship is governed by a written agreement. This is not legal advice. Consult your attorney with specific compliance questions.
Private Lender FAQ
Apply for the RTL Program
Create your partner account - you'll choose your commission option and sign your agreement in the next step.