Investor loans for U.S. citizens and green card holders.
Qualify on the property, not your tax returns. Up to 85% LTV on a rental purchase.
Borrow in your name or an LLC. Keep buying after a bank says no.
Get your same-day term sheet
A few quick questions. No credit pull.
What is the loan for?
Tap one.
Program snapshot
- Programs
- DSCR, fix and flip, bridge
- Purchase LTV
- Up to 85%
- Cash-out refinance
- Up to 70%
- Borrow as
- You or your LLC
- Tax returns
- Not needed for DSCR
- Closing
- In person or remote
What you get
- Qualify on the property's rent, not your personal income
- Borrow in your own name or through an LLC
- Buy, refinance or take cash out of a rental you own
- Single-family homes, 2-4 units, condos, small apartment buildings and short-term rentals
- No limit on how many properties you finance
- Business-purpose loans secured by investment property only. No loans on owner-occupied homes.
Term sheet
Same day
Who it's for
- Self-employed, with tax returns that understate your income
- Growing past the number of mortgages a bank allows
- Buying in an LLC to keep each property separate
- Pulling cash out of a rental to buy the next one
Borrow in your name or in an LLC
These are business-purpose loans: own the property personally or through a company.
Most investors planning more than one or two rentals form an LLC in the property's state. It keeps each property's risk and bookkeeping separate.
To borrow through an LLC: form it and get an EIN (a U.S. tax ID for the company).
Then sign an operating agreement and open a business bank account for rent and loan payments.
Your CPA and attorney can tell you which structure fits.
What you need
- Photo ID
- Bank statements for the down payment and reserves
- Purchase contract or current loan details
- Lease or expected rent
- LLC documents, if you borrow through one
This is general information, not tax or legal advice. Consult your own advisors.
How this differs from a bank mortgage
A bank mortgage looks at your personal income and your debt-to-income ratio. An investor loan looks mainly at the property: the rent, the value and your plan for it.
Self-employed investors use them for that reason. No cap on the number of financed properties: each property is reviewed on its own.
From request to funded
Send the deal
Property, price, loan amount and your experience. Five minutes.
Same-day term sheet
Rate, leverage and costs on your deal. No hard credit pull.
Close
Appraisal, title and closing, in person or remotely.
Frequently asked questions
Do I need to be a U.S. citizen?
No. U.S. citizens and green card holders qualify the same way. Living outside the U.S.? See loans for foreign nationals.
Can I qualify on the rent instead of my income?
Yes. A DSCR loan compares the property's rent with the loan payment. Your tax returns are not the deciding factor.
Is there a limit on how many properties I can finance?
No. Investor loans have no bank-style cap. Each property is reviewed on its own.
Can I take cash out of a rental I already own?
Yes. A cash-out refinance goes up to 70% of the property's value. It is the usual way investors fund the next purchase.
My tax returns understate my income. Is that a problem?
No, not with a DSCR loan. It looks at the property's rent, not your adjusted gross income.
Can I use these loans for a home I will live in?
No. These loans are for investment property only. A home you live in needs a regular mortgage.
Sources
Related
Ready to price your deal?
Term sheet the same business day. No hard credit pull.