Investment Property Loans

• Flexible Terms: We offer flexible terms for repayment schedules and loan structures, providing you with tailored options that work for your investment strategy. Our goal is to align the loan's duration and repayment plan with your specific project timeline, whether it's a short-term fix-and-flip or a long-term rental property.
• ‍Alternative Qualification: Our loans offer an opportunity to qualify for those denied traditional financing, focusing on the asset's value rather than your personal financial history. This approach is particularly beneficial for self-employed individuals or those with significant tax write-offs who may struggle to show sufficient income on paper, even when their business is highly profitable.
• ‍Quick & Easy Process: We provide a quick and easy approval process, allowing you to seize time-sensitive opportunities in the market. In the competitive world of real estate investing, having the ability to close a deal quickly can mean the difference between success and a missed opportunity. Our streamlined process is designed to give you that edge.
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‍Our Investment Loan Products
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• DSCR Loans DSCR stands for Debt Service Coverage Ratio. These loans are designed to assist real estate investors by focusing on the property's ability to generate enough rental income to cover the mortgage payments. Unlike conventional loans, they do not require personal income verification like tax returns or W-2s, making them ideal for self-employed investors or those with complex tax situations. A DSCR of 1.0 means the property’s income precisely covers its debt, while a DSCR above 1.0 indicates a positive cash flow, which lenders prefer.
• ‍Conventional Investment Loans These are traditional loans for a qualified borrower looking to purchase a condo, townhouse, or a 1-4 unit property. While they may have stricter credit and down payment requirements than other investment loans, they often offer competitive interest rates and flexible terms. They are best suited for investors with a strong financial history and a stable income stream who are looking for a long-term financing solution.
• ‍Fix and Flip Loans A fix and flip loan offers short-term financing for real estate investors who intend to buy, renovate, and quickly sell a property for a profit. These loans are typically asset-based, with funding often determined by the property's after-repair value (ARV) and a quicker closing process compared to traditional mortgages. This type of loan is crucial for investors who rely on a rapid turnover of properties to generate income.
• ‍Private Money Loans Private money loans are for experienced fix and flip and buy and hold investors who need to access capital quickly. They are asset-based loans provided by private lenders (individuals or companies) rather than traditional banks. They offer fast approval and flexible underwriting criteria but typically come with higher interest rates and shorter terms. These loans are often used as a bridge to secure a property quickly, with the intent to refinance into a more conventional loan later.
• ‍Commercial Loans For investors looking to purchase larger properties such as multi-family, retail, office, self-storage, industrial, or mixed-use properties. These loans differ from residential mortgages with shorter loan terms and typically require a larger down payment. The terms and requirements for commercial loans are often negotiated on a case-by-case basis, taking into account the property’s cash flow potential and the investor’s experience.
  

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