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Real Estate Investor Loans — Financing to Grow Your Portfolio
Traditional mortgages weren't built for investors. Income verification, property limits, and slow closings can kill deals. Our investor loan programs solve these problems. Qualify based on the property's cash flow, not your personal income. Close in your LLC. Finance multiple properties. Move fast when opportunity strikes.
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2500+
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See How Much You Could Save
No tax returns required to explore options. No impact to your credit.
See How Much You Could Save
No tax returns required to explore options. No impact to your credit.
Investor-Focused Financing, Built for Growth
Traditional lending wasn't designed for real estate investors. Conventional loans come with rigid limits, heavy documentation, and slow processes that make scaling a portfolio difficult—especially for self-employed or high-volume investors.
Conventional lenders often cap you at 10 financed properties. Our programs let you scale without artificial limits holding you back.
We focus on the property's income potential—not W-2s or tax returns—ideal for self-employed and complex-income borrowers.
Buy and hold properties in your LLC or business entity, not just your personal name—giving you more flexibility and asset protection.
Skip the 30–45 day timelines. Our streamlined process means fewer documents and quicker closings so you can move at investor speed.
Loan Programs for Real Estate Investors
Here are the financing options available for your investment properties:
DSCR Loans
Best for: investors qualifying by rental income.
How it works: Approval is based on property cash flow, not personal income.
Key features:
- No personal income docs
- 620+ credit, 20–25% down
- Unlimited properties
Conventional Investment Loans
Best for: strong W-2 investors.
How it works: You qualify using personal income, credit, and assets.
Key features:
- Lowest rates
- 620+ credit (700+ ideal)
- Up to 10 properties
Portfolio Loans Options
Best for: complex or large portfolios.
How it works: Lender creates a custom loan outside standard guidelines.
Key features:
- Flexible underwriting
- Finance 10+ properties
- Relationship-based
Fix & Flip (Bridge Loans)
Best for: renovate-and-sell investors.
How it works: Short-term loan for purchase and rehab, repaid at sale or refi.
Key features:
- Fast closings (7–14 days)
- Based on ARV
- Covers purchase + rehab
Cash-Out Refinance (Investors)
Best for: pulling equity to reinvest.
How it works: Refinance and extract cash from existing property value.
Key features:
- Access up to 75–80% value
- Use funds for any purpose
- DSCR or conventional options
Blanket Loans
Best for: multiple properties.
How it works: One loan covers several properties under one payment.
Key features:
- One loan, one payment
- Finance 5+ properties
- Portfolio consolidation
Short-Term Rental Loans
Best for: Airbnb/VRBO investors.
How it works: Qualify using projected or actual short-term rental income.
Key features:
- DSCR-based
- 20–25% down
- Uses STR income data
Bank Statement Loans
Best for: self-employed borrowers without traditional income docs.
How it works: You qualify using 12–24 months of bank deposits instead of tax returns.
Key features:
- No W-2s or tax returns
- Personal or business statements
- 620+ credit typical
- 10–20% down
DSCR Loans Explained — The Investor's Favourite
DSCR loans have become the go-to financing option for real estate investors. Here's everything you need to know:
DSCR = Gross Monthly Rent ÷ PITIA (PITIA = Principal, Interest, Taxes, Insurance, HOA)
- Price: $400,000 | Down: 25% | Loan: $300,000
- Rent: $3,200 | PITIA: $2,600 → DSCR = 1.23
A DSCR of 1.23 means the property earns 23% more than the payment, a strong ratio for approval.
Investment Property Loan Requirements
Requirements vary by program. Here's what to expect:
Credit Score Requirements
DSCR: 620+ (680+ best rates)
Conventional: 620+ (740+ best rates)
Fix & Flip: 650+ (experience helps)
Portfolio: Varies
Down Payment Requirements
DSCR: 20–25%
Conventional: 15–25%
Fix & Flip: 10–20% + rehab
Portfolio: 20–30%
STR: 20–25%
Reserve Requirements
DSCR: 6–12 months PITIA
Conventional: 6 months per property
Portfolio: Varies
Fix & Flip: Interest reserve or payments
Property Requirements
Rent-ready condition
$75k–$100k minimum value
Appraisal & clear title
Market rent (DSCR)
Document Requirements
DSCR: Credit, reserves, appraisal, lease, LLC
Conventional: DSCR + 2 yrs income
Fix & Flip: Credit, bank, contract, rehab, experience
Financing Investment Properties in Your LLC
Holding investment properties in an LLC provides liability protection. Here's how financing works:
Which Loans Allow LLC Vesting?
DSCR Loans: Yes — most programs allow closing in entity
Portfolio Loans: Yes — flexible on vesting
Fix-and-Flip: Yes — entity vesting is standard
Conventional: No — must close in personal name
LLC Requirements
Most lenders require:
- LLC in good standing with state
- Operating agreement
- EIN (Employer Identification Number)
- Personal guarantee from members (for most loans)
- LLC bank statements (for reserves)
Personal Guarantee
Most investment loans need a personal guarantee, even with an LLC.
- True non-recourse loans (no personal guarantee) exist but typically require:
- Lower LTV (60–65%)
- Higher reserves
- Excellent credit
- Higher interest rates
Featured Properties
Explore our handpicked homes, chosen just for you.
Silvercrest Bayview Residences
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Elegant Garden Estate
2,500 sq ft · 4 Beds · 3 Baths · Garden & Pool
Classic Country Manor
3,200 sq ft · 5 Beds · 4 Baths · Private Driveway
Autumn Retreat Home
2,100 sq ft · 3 Beds · 2 Baths · Wooded Lot
Coastal Paradise Villa
2,800 sq ft · 4 Beds · 3 Baths · Ocean Views
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