Investor Mortgage Loans

Real Investor Loan Products

Real Estate Investor Loans – Real Estate InVestor Intake Form

Real Estate Investor Loans & Their Benefits

1. DSCR Loans (Debt-Service Coverage Ratio)

  • Used for: Rental property investors (1–4 units or multifamily)

  • Key Benefits:
    • No personal income verification
    • Loan based on property’s cash flow (rent must cover debt)
    • Faster approval process than traditional loans
    • Ideals for investors with multiple properties

2. Fix and Flip Loans

  • Used for: Short-term financing to purchase, rehab, and flip properties

  • Key Benefit
    • Fast funding (often with day)
    • Covers both purchase and rehab costs
    • Short terms (6–18 months) perfect for flipping strategy
    • Flexible credit requirements

3. Hard Money Loans

  • Used for: Asset-based lending for short-term projects

  • Key Benefit
    • Based on property value, not credit score
    • Fast closing (as little as 3 – 7 days)
    • Ideal for properties that don’t qualify for traditional loans
    • Minimal documentation required

4. Conventional Investment Property Loans

  • Used for: Buying long-term rental properties

  • Key Benefits:
    • Lower interest rates than private loans
    • 30-year amortization available
    • Strong long-term cash flow opportunity
    • Can qualify with strong W2 income and good credit

5. Portfolio Loans

  • Used for: Investors owning or buying multiple properties

  • Key Benefits:
    • One loan for multiple properties
    • Simplified management and payment
    • Custom underwriting options
    • Helps scale rental portfolio

6. Commercial Real Estate Loans

  • Used for: 5+ unit multifamily or mixed-use buildings

  • Key Benefits:
    • Structured around income-generating potential
    • Longer terms and higher loan amounts
    • Allows financing of apartment complexes, office space, etc.
    • Often available through banks, credit unions, and private lenders

7. Bridge Loans

  • Used for: Temporary financing between transactions (e.g., buying before selling)

  • Key Benefits:
    • Quick funding to seize time-sensitive deals
    • Ideal when traditional financing is delayed or unavailable
    • Used for transitions or repairs before refinancing

8. Blanket Loans

  • Used for: Financing multiple properties under one loan

  • Key Benefits:
    • Single payment for multiple investments
    • Easier to manage property portfolios
    • Can release individual properties from the loan as they’re sold

9. Private Money Loans

  • Used for: Quick capital from private individuals or firms

  • Key Benefits:
    • Flexible terms and underwriting
    • Relationship-based lending
    • Great for unique or creative deals
    • Not tied to traditional banking rules

10. Seller Financing (Owner Financing)

  • Used for: When seller agrees to finance buyer directly

  • Key Benefits:
    • No banks involved
    • Flexible down payment and terms
    • Great for buyers with lower credit or income issues
    • Win-win deal structures possible

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**We do provide Venture Capital and Private lending options all in ALL 50 states – less guidelines

Venture Capital / Private Money Lending Programs