INVESTMENT-FOCUSED FINANCING | PROPERTY ACQUISITIONS | PORTFOLIO STRATEGY

BUILD WEALTH.
CREATE LEGACY.

Personalized real estate financing and acquisition guidance to help investors expand their portfolios and build lasting wealth.

INSTITUTIONAL SUITE

MORE THAN FINANCING.

Four financing solutions to support your next acquisition and grow your residential or commercial real estate portfolio.

DSCR Debt Structuring

Asset-underwritten debt engineered strictly on property yield rather than personal tax filings, preserving maximum balance sheet flexibility.

Portfolio Financing

Explore financing across multiple investment properties to support acquisitions and portfolio growth.

Bridge & Value-Add Financing

Short-term financing to help investors acquire, renovate, or reposition properties while preparing for a sale or longer-term loan.

Equity Partnerships

Connect with potential equity partners to explore joint ventures and funding opportunities for real estate projects.

Direct principal underwriting. Zero broker markup. Average turnaround 48 hours.

Luxury residential dusk skyline in Dallas representing premium DSCR real estate portfolio assets

PORTFOLIO SCALABILITY : ZERO PERSONAL TAX RETURNS

INVEST IN STRATEGY.

Traditional underwriting penalizes sophisticated investors with high deductions. Chello Capital anchors leverage solely to asset cash flow. We evaluate the property's gross lease income against principal, interest, taxes, and insurance: eliminating debt-to-income ceilings.

  • No personal debt-to-income ratio calculations or W-2 requirements
  • Underwritten exclusively against property gross rental yield and cash flow
  • Direct closing in corporate entity structures (LLC, LP, or Trust)
  • Loan amounts from $150K to $3.5M+ with 30-year fixed and interest-only terms

Discreet private consultation : Average term sheet issued within 24 hours

UNDERWRITING METHODOLOGY

THE NUMBERS MATTER.

Our lending threshold eliminates personal income tax analysis, evaluating capital purely through mathematical self-sufficiency.

QUANTITATIVE FORMULA BREAKDOWN

DSCR = 1.25

QUALIFYING RENTAL INCOME
$10,000 Verified Monthly Inflow

TOTAL DEBT SERVICE (PITIA)
$8,000 Monthly Principal, Interest, Taxes & Insurance

When gross rental receipts exceed the combined debt obligation by 25%, the loan automatically reaches institutional grade. Chello Capital issues approval decisions strictly based on property performance without requesting tax documentation, W-2 returns, or personal debt-to-income recalculations.

Institutional Coverage Benchmark : Direct Capital Allocation within 48 Hours

ELIGIBLE PROPERTY TYPES

YOUR NEXT INVESTMENT.

Chello Capital finances premium single-family residential assets, 2-4 unit multi-family portfolios, and luxury short-term vacation rentals nationwide. Underwritten strictly to property cash flow rather than personal debt-to-income ratios.

14-Day Closings : Nationwide Lending : No Personal Tax Returns Required

ARCHITECTURAL ACQUISITION ROADMAP

OPPORTUNITY TO OWNERSHIP.

A disciplined, institutional framework transforming high-yield real estate potential into compounding legacy equity with absolute precision.

01

Strategic Assessment

Aligning capital goals, risk parameters, and buying capacity through private balance sheet review.

02

Asset Underwriting

Exhaustive DSCR stress-testing, debt service calibration, and rigorous market yield modeling.

03

Precision Acquisition

Sourcing targeted residential assets directly through off-market institutional channels.

04

Debt Structuring

Securing favorable non-recourse debt architecture that prioritizes long-term cash flow durability.

05

Portfolio Scaling

Systematizing passive distributions and unlocking balance sheet equity for sustained expansion.

Direct access to proprietary institutional deal flow and customized debt modeling.

Kris Hayes, Managing Partner & Chief Investment Strategist at Chello Capital

PRINCIPAL STRATEGIST & FOUNDING PARTNER

MEET KRIS HAYES

With 16 years of mortgage and real estate experience, Kris Hayes brings practical knowledge of financing, property acquisitions, and transaction coordination to help investors pursue their goals and build a lasting legacy.

Her approach connects each investor’s goals with practical financing options, thoughtful acquisition strategies, and trusted professional resources to support portfolio growth and long-term wealth building.

“Building lasting wealth starts with understanding the risks, evaluating the numbers, and investing with a clear plan.”

Kris Hayes Chief Investment Strategist, Chello Capital

EXCLUSIVE INVESTOR CURRICULUM

STRATEGY BUILDS WEALTH.

Chello Capital is developing a practical investor masterclass covering DSCR financing, finding investment properties, and evaluating costs and risks. Whether you’re pursuing your first acquisition or expanding your portfolio, learn how to ask better questions and build a more informed investment strategy.

  • Understand DSCR calculations and how rental income affects financing eligibility.

  • Explore cost segregation, 1031 exchanges, and partnership structures with qualified tax and legal professionals.

  • Learn ways to find investment opportunities through listings, networking, and off-market outreach.

  • Evaluate how changes in rent, vacancy, expenses, and interest rates may affect a property’s performance.

COMING SOON
ACADEMY CALENDAR

Institutional Real Estate Masterclass

Pick a time on the calendar below and we’ll reserve your spot.

Strict privacy protocol. Zero broker solicitation.

PRIVATE CLIENT INTAKE

EXPLORE YOUR OPTIONS.

Explore real estate financing options built around your investment goals. Schedule a personalized strategy consultation with Chello Capital.

  • Financing options tailored to your property and investment goals.

  • DSCR programs that focus on rental income, with documentation requirements varying by lender.

  • Personalized support to explore your options and coordinate next steps.

CHELLO

INSTITUTIONAL DUE DILIGENCE

INVESTING SMART ASKS QUESTIONS.

Understanding DSCR financing, property ownership structures, and lender requirements starts with clear information. Explore the answers to learn how these options may fit your investment goals.

Institutional underwriting parameters. Borrowers must verify local tax and legal entity compliance with professional counsel.

Can an LLC with multiple managing partners qualify for DSCR financing?

Yes. Loans are originated directly in the name of single-member LLCs, multi-member LLCs, limited partnerships, and holding entities. Personal guarantees are structured per managing partner or majority equity holder, ensuring your corporate veil and entity asset shielding remain intact.

What is the baseline Debt Service Coverage Ratio threshold required?

Chello Capital underwrites qualification starting at a 1.00x DSCR, with premier institutional pricing unlocked at 1.20x to 1.25x coverage. For stabilized assets with strong market appreciation, interest-only options are available to optimize ongoing operational cash flow.

Are personal tax returns or W-2 income statements examined during underwriting?

No. Institutional DSCR underwriting evaluates solely the verified cash flow of the subject real estate and the creditworthiness of the entity guarantor. Your personal debt-to-income (DTI) ratio, personal tax deductions, and W-2 payroll figures do not impact approval.

Does closing under an LLC protect sponsors from personal liability?

Title is recorded exclusively under your legal business entity, isolating property liabilities to the asset itself. Standard non-recourse debt options and customary bad-boy carve-outs apply depending on loan size and portfolio tier.

How is Fair Market Rent calculated for newly acquired or vacant properties?

When an executed lease agreement is not yet active, an independent licensed appraiser conducts a standard Fannie Mae Form 1007 rent schedule or commercial market study to establish fair market rents and determine the qualifying DSCR ratio.

Can short-term vacation rentals (Airbnb/VRBO) qualify based on hospitality revenue?

Yes. We accept either a 12-month trailing operational revenue history from property management platforms or independent AirDNA market performance projections to underwrite short-term and mid-term executive rental portfolios.

What are the seasoning guidelines for cash-out equity refinances under an LLC?

Delayed financing rules allow immediate cash equity recapture on all-cash purchases. For value-add properties with completed capital improvements, seasoning requirements span from zero to six months based on documented renovation receipts.

Are foreign national principals and non-US resident investors eligible?

Yes. Foreign nationals investing via a compliant US-domiciled LLC or partnership entity qualify for DSCR debt execution, subject to standard verified liquid reserve requirements and cross-border KYC compliance verification.

What property categories qualify under your portfolio programs?

Eligible properties encompass single-family rentals (SFR), 2-4 unit multi-family residences, warrantable and non-warrantable condominiums, mixed-use buildings, and scattered-site residential portfolios under blanket cross-collateralized loan facilities.

What statutory disclosures and tax disclaimers apply to entity borrowing?

Chello Capital serves as a private commercial mortgage advisor and capital arranger. While DSCR facilities require entity vesting for commercial lending exemptions, investors must consult their CPA and corporate attorney for state-specific tax reporting and liability protections.

PRIVATE CLIENT ADVISORY

BEGIN YOUR LEGACY.

Build your next investment around a clear strategy. Connect with Chello Capital to explore DSCR financing, discuss acquisition opportunities, and plan for long-term portfolio growth. Building Wealth. Creating Legacy.

CHELLO CAPITAL | BUILDING WEALTH. CREATING LEGACY.