About Us
Origin Story
BPL Partners was founded through the collaboration of industry veterans Dave Rooker and Paul Buchi, who together bring over 60 years of experience in the mortgage sector. Having navigated the ups and downs of the mortgage market over the past three decades, they chose to focus their expertise on a niche market segment. BPL Partners is a boutique lending platform that specializes in providing tailored mortgage solutions for real estate investors.
What sets BPL Partners apart is our unique perspective—not only as lenders but also as experienced investors, property managers, and asset operators. This comprehensive background gives us unparalleled insight into the real estate investment landscape, allowing us to offer clients a level of service and understanding that is rarely found in the lending industry.
We believe that this dual expertise enables us to deliver customized lending solutions with a deep understanding of our clients’ needs and challenges. At BPL Partners, we pride ourselves on providing a personalized experience, addressing the specific requirements of each client, and offering support at every stage of the investment journey. Whether you’re an established investor or just starting, our team is committed to helping you succeed in your real estate endeavors.
Building Prosperity, Living Excellence:
BPL Partners – Where Investments Thrive and Dreams Come Alive!
Products
DSCR Loan Our Debt Service Coverage Ratio (DSCR) loan offers a streamlined solution for real estate investors seeking a quick closing process. Unlike traditional loans, this product does not require income or employment verification. Qualification is based on the cash flow of the property, making it ideal for Airbnb and other short-term rental properties.
- Loan-to-Value (LTV): Up to 80%
- Loan Amount: Up to $2 million
- Entity Vesting: Can be vested in the name of an LLC or corporation
- Interest-Only Option: Available to maximize property cash flow
Expanded-Prime Loan This loan is designed for borrowers who do not meet the traditional criteria for Agency loans but are still qualified to repay their mortgage. The Expanded-Prime loan accommodates those who need alternative qualification methods, such as a Non-QM bank statement loan for self-employed borrowers who can’t provide traditional documentation like tax returns.
- Loan-to-Value (LTV): Up to 90% without Mortgage Insurance (MI)
- Loan Amount: Up to $3.5 million
- Qualification Options: Standard full documentation, 1-year Profit & Loss (P&L), or bank statements
- Debt-to-Income (DTI) Ratio: Up to 50%
- Property Types: Second homes and investment properties
Non-Prime Loan Our Non-Prime loan serves borrowers who have experienced credit events such as foreclosure, short sale, deed-in-lieu, or bankruptcy but still require a mortgage. This flexible product offers an opportunity for those who don’t qualify for traditional loans.
- Loan-to-Value (LTV): Up to 80% without Mortgage Insurance (MI)
- Loan Amount: Up to $1.5 million
- Debt-to-Income (DTI) Ratio: Up to 50%
- Qualification Options: Standard full documentation, 1-year Profit & Loss (P&L), or bank statements
These loan products are designed to meet a wide range of needs, from experienced real estate investors to those overcoming credit challenges. Each product provides a unique solution to help you achieve your real estate investment goals.