DSCR Loans
Qualify with your rental property's income — not your personal income or tax returns. Built for long-term and short-term rental investors. Close in an LLC with no agency cap on financed properties.
Learn MoreInvestor Loan Programs
Real Estate Investor Loans: Secure Fast Capital for Flip, Rental, and BRRRR Deals
Five dedicated investor loan programs — underwritten around the deal, not your personal income or tax returns. From land to long-term hold, we finance every stage.
Nationwide Capital
Network
Network
Asset-Based
Underwriting
Underwriting
Fast
Closings
Closings
Investor-Friendly
Terms
Terms
Financing for Every Kind of Investment.
Five purpose-built programs. One lender. All underwritten on the deal — not on personal income documentation.
Fix & Flip Loans
Short-term, asset-based financing (typically 6–18 months) for purchasing and renovating a property to resell or refinance. Underwritten on ARV with rehab funds released in draws. Interest-only during the term.
Learn MoreHard Money Loans
Fast, collateral-based financing where approval leans on the property's value and the deal itself. Ideal for time-sensitive purchases, bridge situations, or when speed and flexibility matter more than rate.
Learn MoreCondotel Loans
Portfolio and non-QM financing for condo-hotel units — non-warrantable under agency guidelines due to hotel-style rental usage. Designed for investors seeking rental income in resort or high-tourism markets.
Learn MoreGround-Up Construction Loans
Finance a property from vacant land or teardown through completion. Funded in milestone draws, interest-only during the build. Underwritten on land value, construction budget, and as-completed value.
Learn MoreNot Sure Where to Start?
Match your deal type to the right loan program in seconds.
Buying a rental property?
DSCR Loans
Qualify on rental income, not personal income
Renovating to resell?
Fix & Flip Loans
Fund the purchase and the rehab together
Need to move fast on a deal?
Hard Money Loans
Fast, asset-based financing for time-sensitive deals
Investing in a resort condo?
Condotel Loans
Portfolio financing for hotel-branded condo units
Building from the ground up?
Ground-Up Construction Loans
From land acquisition through a completed, income-ready asset
Still not sure which program fits your deal?
Talk to a SpecialistWhy Investors Choose Us
The same advantages apply across all five programs — because they're built on the same foundation.
No Tax Returns Required
All five programs use asset-based underwriting — qualification is built around the property and the deal, not your personal income documentation.
In-House Decisioning
In-house, deal-driven underwriting decisions — no committee delays, no third-party approvals. We control the process from submission to closing.
One Lender, Every Stage
From ground-up construction to a completed DSCR rental — you can move through every stage of a deal without changing lenders or reestablishing relationships.
A Process Built for Investors.
Three simple steps from deal to approval — no red tape, no income interrogation.
Step 01
Tell Us About Your Deal
Share your property, project type, and goals. No personal income docs needed to get started.
Step 02
We Match You to the Right Program
Our team reviews your deal and aligns it to the best-fit investor loan program — in-house decisioning, no delays.
Step 03
Get Approved and Move Forward Fast
Asset-based underwriting means fast closings. Close in an LLC and move when the deal demands it.
Built for Real Estate Investors at Every Stage
Whether you're closing your first deal or managing a large portfolio, our investor financing is designed to move with you.
First-Time Investors
Asset-based underwriting means your first deal doesn't require an extensive income history. We help you qualify on the property, not your resume.
Experienced Portfolio Investors
No agency cap on financed properties. Scale your DSCR portfolio and close in an LLC without the limitations of conventional financing.
House Flippers & Rehabbers
Fix and flip financing built around your ARV and rehab budget — with draw-based funding that keeps your project moving from demo to listing.
Builders & Developers
Ground-up construction loans structured around milestone draws and as-completed value. Transition seamlessly to a DSCR loan at completion.
Short-Term & Vacation Rental Owners
DSCR loans cover short-term rental properties too. Qualify on projected or actual STR income — Airbnb and vacation rental strategies included.
Investors Closing in an LLC or Entity
All five programs support closing in an LLC or other business entity — protecting your personal assets while keeping your investment structure clean.
Frequently Asked Questions About Investor Loans
DSCR, fix-and-flip, hard money — compare the financing options built for real estate investors.
A DSCR loan is long-term financing qualified by a property's rental income — designed for investors who intend to hold a property and collect rent. A fix and flip loan is short-term financing for purchasing and renovating a property to resell or refinance. The goals, timelines, and underwriting approaches are distinct between the two programs.
They're closely related. Hard money is a broader category of fast, asset-based lending where approval leans on the property's value rather than personal income documentation. Fix and flip loans are one of the most common use cases within hard money lending — but hard money also applies to bridge situations, time-sensitive purchases, and other short-term investment scenarios.
No — all five programs are underwritten primarily around the property and the deal rather than personal income documentation. That means no personal income verification, no tax return requirements, and no debt-to-income analysis based on your W-2 or Schedule C. Qualification is asset-based.
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's own rental income rather than your personal tax returns or employment history. Lenders calculate the ratio by dividing the property's monthly rental income by its monthly mortgage payment — a ratio of 1.0 or higher generally means the property covers its own debt. This makes DSCR loans a popular option for self-employed investors or those with multiple properties whose personal income documentation wouldn't otherwise support traditional underwriting.
Unlike conventional financing, which typically caps borrowers at 10 conventional loans, DSCR and other investor-focused loan programs generally don't impose the same portfolio limits, since qualification is based on each property's individual performance rather than your overall debt-to-income ratio. This makes it possible to scale a rental portfolio more efficiently, though each lender sets its own guidelines on total exposure and reserve requirements as your portfolio grows.
Investor financing options — including DSCR, fix-and-flip, and hard money loans — carry different qualification standards, rates, and terms than conventional mortgages. Consult a licensed mortgage professional to determine which program best fits your investment strategy and timeline.
Find My Loan ProgramInvestors Who've Been There
Different programs, different strategies — one lender throughout.
"I've flipped over a dozen properties and deal speed is everything in this market. The fix and flip draw structure was clean, the team understood ARV underwriting, and we closed fast. No income interrogation — just the deal."
MR
Marcus R.
House Flipper — Fix & Flip Loans
"My portfolio is all long-term rentals held in an LLC. The DSCR program was exactly what I needed — qualified on the rent roll, not my tax returns. I've closed three times now and the in-house decisioning makes each closing predictable."
TN
Theresa N.
Portfolio Landlord — DSCR Loans
"We financed a new build with the ground-up construction program, then rolled into a DSCR loan at completion. Having one lender handle both sides of the deal — and understanding the as-completed value from day one — made the whole project flow."
DK
David K.
Builder — Ground-Up Construction Loans
Get Started
Find the Right Loan Program for Your Next Investment.
Tell us about your deal and we'll align you with the program that fits — fast closings, no tax returns, and the ability to close in your LLC.
Asset-based underwriting — qualify on the deal, not personal income
Close in an LLC or other entity name
In-house decisioning — no committee, no delays
Five programs covering every stage of an investment