Real Estate Investors
Financing that reads the deal, not your pay stub
One application gives you access to private, institutional and specialty capital sources for investment property — whether you are renovating and selling, holding for rent, buying before you sell, or building from the ground up.
Programs for investors
Fix & Flip Loans
Buy it, renovate it, sell it. The purchase and the renovation budget financed together, with the renovation released in stages as the work is done.
See details →DSCR Loans
The property's rent is what qualifies the loan. Underwritten on the lease and the market rent rather than on your tax returns or W-2s.
See details →Hard Money Loans
Short-term financing secured by the property, arranged through private lenders who underwrite the asset and the exit rather than the borrower's income.
See details →Private Money Loans
Capital from private sources for investment property, where the file does not fit a bank's box but the deal itself makes sense.
See details →Bridge Loans
Close on the new property now and arrange the long-term financing after — for a purchase that cannot wait on a sale or a refinance.
See details →Ground-Up Construction
Land and build financed together, with the construction money released against completed work rather than handed over at closing.
See details →How investor financing differs from a mortgage
Most people arrive expecting the process they went through on their own home. It is a different product, and the differences are the part worth knowing before you apply.
The property carries the file
A consumer mortgage is underwritten on your income. Investor financing is underwritten on the asset — what it is worth now, what it will be worth after the work, and what it earns. Your income matters far less; the deal has to stand up.
It is built for a deadline
Investor lenders exist because auctions, contracts and 1031 clocks do not wait for a bank's committee. The trade-off is that this money is priced for speed and is short-term by design — the exit matters as much as the entry.
You are asked for an exit, not a life story
Every investor lender asks the same question in the end: how do I get paid back? A sale, a refinance into long-term debt, or the rent. A file with a clear, evidenced answer places; a file without one does not, however good the property looks.
It is usually held in an entity
Most investor programs lend to an LLC or a corporation rather than to you personally, often with a personal guarantee behind it. If the entity does not exist yet, that is normal and it is not a reason to wait before asking.
Tell us about the property
A few questions about the deal and we will tell you plainly whether it is placeable, and roughly what it looks like.
Get prequalified