DSCR, fix-and-flip and spec construction loans
Built for requests of $350,000 and up. On these programs, Dustin Shively, CPA, underwrites qualifying deals and issues term sheets on behalf of our lending partners. Initial financing review typically within one business day for qualifying residential investment scenarios. Figures are program maximums; final terms depend on experience, credit and the property.
DSCR Rental Property Loans
Long-term financing that qualifies on rental income. Single properties or portfolios of up to 10.
Fix-and-Flip Loans
Acquire, renovate, and sell or hold. Purchase and rehab funded together.
Spec & Ground-Up Construction Loans
Spec and investment builds of 1–4 units for sale or rent, with draws based on inspection. Not for personal residences.
Why investors and builders choose Front Street
Front Street Advisors is a CPA-led financing firm, not a direct lender. We work directly with institutional lending partners who fund the loans, so qualifying DSCR, fix-and-flip and spec construction deals move from review to term sheet without extra layers. For residential bridge, commercial real estate, SBA, asset-based and medical practice financing, we structure each request and take it to the lenders whose requirements fit.
CPA-led underwriting
Tax returns, financial statements, entity structures and cash flow are analyzed before a lender sees the file, so issues get solved up front instead of at closing.
Authorized credit decisions
For qualifying DSCR, fix-and-flip and spec construction loans, our lending partners have authorized Dustin Shively, CPA, to make the credit decision once they have run credit and the borrower meets their criteria, and to issue the term sheet on their behalf.
Direct institutional relationships
Our institutional lending partners provide the capital, nationwide. For more complex financing, we structure the opportunity and present it across hundreds of lending sources, including banks, credit unions, life insurance companies and private capital providers.
Competitive rates, flexible structures
Because we aren't tied to one institution, each deal goes to the sources whose pricing and requirements fit it, with a file that's ready to underwrite.
Which loan fits your deal?
What are you financing?
Commercial real estate, practice and business financing
Structured with CPA-led analysis and presented across hundreds of lending sources, from banks and credit unions to life insurance companies and private capital.
From first call to closing table
Tell us about the deal
A short program intake or a call. Your progress saves as you go.
We underwrite it first
Our CPA-led underwriting reviews leverage, cash flow and documents before a term sheet is issued or the deal goes to a lender.
Credit decision or placement
On qualifying DSCR, fix-and-flip and spec construction deals, once the lending partner has run credit, we can make the credit decision and issue a term sheet on its behalf. Other financing is structured and presented to sources in our network.
Closing and funding
The lending partner's remaining requirements, including appraisal, title, insurance and loan documents, are completed before it funds the loan. Steps and timing vary by program.
An accountant's eye on every deal
Dustin Shively, CPA, is an accomplished public accountant with more than 20 years of experience navigating the complex landscape of finance, taxation, and business strategy.
This focus on real estate and commercial financing was sparked by a perceived lack of creativity in the financing industry, an inadequate educational focus on available programs, and restricted client access to a comprehensive network of financial outlets.
Dustin has been consistently proactive in bridging these gaps. He has cultivated a robust network of financial institutions, capitalizing on the latest and most effective financial products while assembling a talented team of accountants dedicated to devising creative capital structures to secure the most favorable – and innovative – deals for their clients.
Today Dustin underwrites qualifying DSCR, fix-and-flip and spec construction transactions himself. Front Street's institutional lending partners have authorized him to make credit decisions within their criteria and to issue term sheets on their behalf, so investors work with the person who can act on the file.
Read Dustin's full bio →Lenders specialize. We know which ones.
Three operational offices. Financing nationwide.
Straight answers
What types of commercial and investment property financing does Front Street offer?+
Front Street Advisors arranges commercial and investment property financing for investors, builders and business owners. For residential investors and builders, that includes spec construction loans, DSCR rental property loans, fix-and-flip loans and residential bridge loans. On spec construction, DSCR and fix-and-flip loans, Dustin Shively, CPA, underwrites qualifying transactions and issues term sheets on behalf of our institutional lending partners. We also structure commercial real estate loans, medical and dental practice financing, and business financing such as SBA and asset-based loans.
Does Front Street Advisors lend directly?+
No. Front Street Advisors is not a direct lender and does not fund loans with its own capital. We work directly with institutional lending partners, who provide the funding. For qualifying DSCR, fix-and-flip and spec construction transactions, Dustin Shively, CPA, is authorized to underwrite the loan, make the credit decision within the lending partner's criteria once the partner has run credit, and issue the term sheet on the partner's behalf. For other financing, we structure the transaction and present it to lending institutions and capital providers in our network. A term sheet is not a commitment to lend, and the lending partner's appraisal, title, documentation and closing conditions still apply.
What loan sizes do you arrange?+
Financing requests start at $350,000. Most investor real estate programs go up to $15 million, and DSCR rental loans go up to $2.5 million without cash-out. Front Street Advisors has access to loan programs up to $100 million.
Do I need tax returns for a DSCR loan?+
No. DSCR loans qualify on the property's rental income. No tax returns, W-2s or net worth requirement.
Can I borrow in an LLC?+
Yes. Our investor programs are available to LLCs, LPs, trusts and corporations. DSCR loans require an LLC or corporation.
Do you finance owner-occupied homes?+
No. Every loan we arrange is business-purpose financing for investment or commercial use.