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Build Long-Term Wealth with Strategic Buy-and-Hold Financing

At Estates of Elysium, we help investors grow lasting wealth through tailored buy-and-hold financing. Whether you're acquiring your first rental or expanding a portfolio, our flexible capital solutions and tech-forward platform are designed to simplify the process—and maximize your returns.

Buy-and-Hold Lending That Works for You

Flexible Term Structures

Choose from a variety of loan terms to match your investment strategy and holding period. Short-term, mid-term, or long-term—we’ve got you covered.

Smart, Competitive Rates

Our rates are designed to protect your margins and boost your passive income. Spend less on interest, and more on growth.

Refinance & Reinvest

Tap into your equity through smart refinancing options. Lower your payments, unlock capital, and reinvest without the hassle.

Grow your rental portfolio with confidence
We offer streamlined, dependable funding for long-term real estate investments—eliminating roadblocks so you can focus on scaling with ease.

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Estimate Your Investment Potential

Tired of guessing your numbers? Our proprietary tools help you quickly estimate loan terms, cash-to-close, and projected returns—just plug in your property address and project scope.

Why Estates of Elysium?

We combine deep market knowledge with innovative tech to offer funding that meets your timeline, your deal size, and your investment goals.

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A Smarter Way to Invest

Get access to a streamlined platform that automates underwriting and document management—so you can close faster and avoid the paperwork headaches.

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Property-Specific Underwriting

We evaluate key metrics like market trends, rental comps, and rehab budgets to offer funding that’s tailored to the property—not just a one-size-fits-all template.

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Simplified Deal Management

From scope of work to closeout—manage every stage of your deal digitally. No confusion, no delays.

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Close in as Fast as 7 Days

Avoid delays from traditional appraisals. Our partners use internal valuation methods that help you move faster—so you can lock in great deals before the competition.

Frequently Asked Questions

Buy-and-Hold Loan Questions

Explore answers to the most common questions investors ask about buy-and-hold loans—so you can make smarter decisions, minimize risk, and build lasting wealth through real estate.

Q. What is a DSCR loan?
A. A DSCR (Debt Service Coverage Ratio) loan is a type of rental loan based on the income of the property—not your personal income. It’s ideal for investors who want to qualify without submitting tax returns, W-2s, or pay stubs.

Q. What types of properties qualify for DSCR rental financing?
A. DSCR is the ratio of a property's monthly rental income to its monthly debt obligation (principal, interest, taxes, insurance, and HOA, if applicable). Most lenders look for a DSCR of 1.0 or higher to qualify.

Q. Can I refinance or pull cash out using a DSCR loan?
A. Yes. We can help you refinance existing rental properties or pull cash out of your equity to reinvest, renovate, or consolidate debt—without the red tape of conventional banks.

Q. Can I bundle multiple rentals under one loan?
A. Yes—if you have 5 or more stabilized rental properties, a portfolio loan may be a better fit. We can help you structure one loan to cover your entire portfolio, simplifying management and improving cash flow.

Q. Is DSCR financing a good option for first-time investors?
A. Absolutely. DSCR loans offer flexible guidelines, no income verification, and a faster path to funding—making them ideal for new investors building passive income through real estate.

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Reviews
⭐️⭐️⭐️⭐️⭐️

“Working with Estates of Elysium has been a game changer. Elysse is incredibly responsive, organized, and genuinely cares about getting things done right. She hit every deadline she promised and went above and beyond to make sure the process was smooth. I’ve worked with other capital advisors before, but none have been this on point or this committed to my success. If you're looking for someone who shows up, follows through, and actually delivers—this is it.”

— Jamie

Resources

  • DSCR Loans Demystified: The Investor’s Shortcut to Passive Income

    Learn how DSCR loans let you qualify based on rental income—not personal income. This guide breaks down how to use them to scale your portfolio faster.

    Read It
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  • From 1 to 10 Units: The Blueprint for Growing Your Rental Empire

    Going from a single property to a real portfolio takes strategy. We’ll show you how to finance, structure, and scale without burning out, right here — right now.

    Read It
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  • Protect the Bag: Insurance, Loans & Long-Term Rental Strategy That Pays

    Your rental income is only as strong as your structure. Discover how to finance and insure like a pro while planning for the future in this article.

    Read It
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