Investment property loans for every strategy
Rentals, flips, ground-up builds and apartment buildings. One request. Every lender that fits your deal.
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DSCR loans
Qualify on rent, not income. No tax returns.
See detailsBridge loans
Close in 7-14 days. Refinance or sell on your timeline.
See detailsFix and flip (hard-money)
Purchase and rehab in one loan. 1-4 unit projects.
See detailsNew construction
Ground-up loans for homes, townhomes and small infill.
See detailsMultifamily
Bridge and term debt for buildings with 5+ units.
See detailsCash-out refinance
Pull equity out of a rental. Qualify on rent, not income.
See detailsBRRRR loans
Buy and rehab, then refinance on the new value.
See detailsBlanket and portfolio loans
Several rentals, one loan, one payment.
See detailsSecond lien
Borrow against equity. Keep your low first-mortgage rate.
See detailsFor foreign nationals
Every program above, for investors living abroad. No SSN. No U.S. credit.
See detailsWhich investor loan fits your deal?
| Your goal | Loan |
|---|---|
| Buy or refinance a rental and hold it | DSCR loan |
| Buy, renovate and sell | Fix and flip (hard-money) |
| Close fast, then refinance or sell | Bridge loan |
| Pull cash out of a rental you own | Cash-out refinance |
| Borrow equity, keep a low-rate first mortgage | Second lien |
| Build from the ground up | New construction |
| Buy or refinance 5+ units | Multifamily |
| Invest from outside the U.S. | Every program, for foreign investors |
Investor loan programs side by side
| Program | Loan size | Max leverage | Term |
|---|---|---|---|
| DSCR Loans | $50K-$9M | 85% (U.S. residents) | Fixed, ARM or interest-only |
| Fix and Flip (Hard-Money) Loans | $50K-$3M | Up to 90% | 6-24 months |
| Bridge Loans | $50K-$20M | 70% | 6-24 months |
| New Construction Loans | $200K-$10M | 85% | 12-24 months |
| Multifamily Loans | $150K-$25M | 75% purchase, 70% refi | 5, 7 or 10-yr fixed |
| Second Lien Loans | $50K-$750K | 75% | 10-30 years |
Every program is open to foreign nationals: no SSN, no U.S. credit, up to 70% LTV on a rental. Subject to underwriting. Run your numbers with the DSCR calculator or the hard money calculator.
Investor loan questions
What is the difference between a DSCR loan and a hard money loan?
Term and purpose. A DSCR loan is 30-year financing for a rental, sized on the rent.
A hard money (fix and flip) loan runs 6 to 24 months to buy and renovate, sized on cost and after-repair value (ARV).
Do I need tax returns for an investor loan?
No. DSCR, fix and flip and bridge loans qualify on the property and the deal, not personal income.
Can I close in an LLC?
Yes. Most investor loans close in an LLC or other entity.
How fast do I get terms?
Same business day, on every program. No hard credit pull.
Bridge and fix-and-flip loans close in 7-14 days. DSCR loans close in 30 days.