Loan programs

One lender. Every stage of the portfolio.

Whether you are buying your first rental or pulling equity from your tenth, each program is built around the property and what it earns.

Gray single family rental home with a two car garage and green lawn

Buy a rental

Purchase loans

Buy a rental with a loan that looks at the lease, not your tax return.

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Small apartment building with lit balconies at dusk

Refinance

Rate and term refinance

Replace a hard money, bridge, or adjustable loan with long-term fixed financing.

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Modern two story home with palm trees at sunset

Pull equity

Cash-out refinance

Turn built-up equity into down payments on your next deals.

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Modern investment home with a wood garage door at sunset

Line of credit

DSCR HELOC

Open a line against your rental's equity and keep your current mortgage in place.

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Eight unit apartment building with balconies at sunset

5 to 8 units

5 to 8 unit loans

Residential-style financing for small apartment buildings.

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Modern vacation style home with palm trees at dusk

Airbnb and VRBO

Short-term rental loans

Qualify using vacation rental income instead of a long-term lease.

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Apartment building owned through an LLC at dusk

Entity borrowers

Loans for LLCs

Close inside an LLC and keep rentals separate from your personal name.

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Craftsman style single family home at dusk

Getting started

First-time investors

Your first rental, financed without a landlord track record.

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Modern apartment building lit up at dusk after renovation

Purchase and renovate

Fix and flip loans

Short-term financing to buy a property, renovate it, and sell or refinance.

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Apartment building financed with a short-term bridge loan

Short-term financing

Bridge loans

Fast short-term money to close now and sort out long-term financing later.

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The shared basics

Guidelines that apply to most programs.

Each program has its own details, but these are the starting points. Your specialist confirms what applies to your deal.

Best for: Rental property financed on its own cash flow
Units: 1 to 8
Min credit score: 620
Max loan-to-value: Up to 75%
Income documents: None
Ownership: Personal name or LLC

Programs, rates, terms, loan-to-value limits, credit requirements, DSCR requirements, and property eligibility depend on lender guidelines and can change.

Not sure which program fits?

Describe the property and what you want to do. A specialist will point you to the right one.

Apply Now Get a Quote (833) 980-9860