DSCR Loans
Qualify with your rental property's income, not your personal income or tax returns. For long-term and short-term rental investors, with closing in an LLC and no agency cap on financed properties.
Investor loan programs
Real Estate Investor Loans: Financing for Flip, Rental, and BRRRR Deals
Five investor loan programs, underwritten around the deal rather than your personal income or tax returns. From land to long-term hold, we match each stage of your project with the right lender.
- No tax returns
- Close in an LLC
- Multiple investor lenders
Licensed mortgage broker · Answer Home Loans, Inc. NMLS #1729528
Financing for every stage
Build
Ground-Up Construction
Land or teardown through completion
Buy & renovate
Fix & Flip · Hard Money
Purchase plus rehab, or a quick bridge
Hold & rent
DSCR Loans
Qualify on the property's rent
Resort markets
Condotel Loans
Condo-hotel units
- Nationwide Lender Network
- Asset-Based Underwriting
- Five Investor Programs
- Licensed Broker · NMLS #1729528
Loan programs
Financing for Every Kind of Investment
Five purpose-built programs, all underwritten on the deal rather than personal income documentation.
Fix & Flip Loans
Short-term, asset-based financing to purchase and renovate a property to resell or refinance. Sized on cost and after-repair value, with rehab funds released in draws.
Hard Money Loans
Short-term, collateral-based financing where approval leans on the property's value and the deal itself. Suited to time-sensitive purchases and bridge situations.
Condotel Loans
Portfolio and non-QM financing for condo-hotel units, which are non-warrantable under agency guidelines. For investors seeking rental income in resort and tourism markets.
Ground-Up Construction Loans
Finance a property from vacant land or teardown through completion, funded in milestone draws and underwritten on land value, budget, and as-completed value.
Not Sure Which Program Fits?
Tell us about the property and your plan. A licensed broker will match your deal to the right program and lender.
Find your fit
Not Sure Where to Start?
Match your deal type to the right loan program.
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
Working with a tight timeline?
Hard Money Loans
Asset-based financing for time-sensitive deals
Investing in a resort condo?
Condotel Loans
Financing for hotel-branded condo units
Building from the ground up?
Ground-Up Construction
From land through a completed, income-ready asset
Still not sure which program fits your deal?
Why work with us
Why 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.
Multiple Investor Lenders
As a licensed broker, we compare investor programs across a network of lenders to find the guidelines and terms that fit your deal.
One Broker, Every Stage
From ground-up construction to a finished DSCR rental, one team coordinates each stage of the deal so you don't start over with every loan.
How it works
A Process Built for Investors
Three steps from deal to approval, with no personal income paperwork.
- 1
Tell Us About Your Deal
Share the property, project type, and your goals. No personal income documents are needed to get started.
- 2
We Match the Right Program
We review the deal and match it to the best-fit investor program and lender.
- 3
Approval and Closing
Asset-based underwriting focuses on the property. Close in your name or your LLC.
Who we serve
Built for Real Estate Investors at Every Stage
Whether you're closing your first deal or managing a large portfolio, 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. Qualify on the property.
Experienced Portfolio Investors
No agency cap on financed properties. Scale a DSCR portfolio and close in an LLC without conventional limits.
House Flippers & Rehabbers
Fix and flip financing built around your ARV and rehab budget, with draws that keep the project moving.
Builders & Developers
Ground-up construction structured around milestone draws and as-completed value, with a path to a DSCR loan at completion.
Short-Term & Vacation Rental Owners
DSCR loans cover short-term rentals too, qualifying on projected or actual STR income.
Investors Closing in an LLC
All five programs support closing in an LLC or other entity, separating your investments from personal assets.
FAQ
Frequently Asked Questions About Investor Loans
DSCR, fix and flip, hard money: compare the financing options built for real estate investors.
What's the difference between a DSCR loan and a fix and flip loan?
A DSCR loan is long-term financing qualified by a property's rental income, designed for investors who plan to hold the property and collect rent. A fix and flip loan is short-term financing to purchase and renovate a property to resell or refinance. The goals, timelines, and underwriting approaches are different.
Is hard money the same as fix and flip financing?
They're closely related. Hard money is the broader category of short-term, 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 uses of hard money, but hard money also covers bridge situations, time-sensitive purchases, and other short-term investment scenarios.
Do any of these programs require tax returns?
Generally no. All five programs are underwritten primarily on the property and the deal rather than personal income documentation, so there's typically no personal income verification, tax return requirement, or debt-to-income analysis based on your W-2 or Schedule C. Lenders still review credit, assets, and the property itself.
How does a DSCR loan qualify me without using my personal income?
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's own rental income. Lenders divide the property's monthly rental income by its monthly payment; a ratio of 1.00 or higher generally means the property covers its own debt. That makes DSCR loans popular with self-employed investors and those with multiple properties.
Can I finance multiple investment properties, or is there a limit?
Conventional financing typically caps borrowers at 10 financed properties. DSCR and other investor programs generally don't carry that agency limit, since each loan is based on the property's own performance rather than your overall debt-to-income ratio. Individual lenders still set their own guidelines on total exposure and reserves as your portfolio grows.
Investor loan programs carry different qualification standards, rates, and terms than conventional mortgages. Talk with a licensed mortgage broker to find the program that fits your strategy and timeline.
Find My Loan ProgramExample scenarios
Investor Scenarios Across Every Program
Different programs, different strategies, one broker coordinating the financing.
Flipper Funding Purchase and Rehab Together
Illustrative example, not an actual client.
An experienced flipper found a property needing a full renovation. A fix and flip loan could finance the purchase and release the rehab budget in draws, sized on the project cost and after-repair value.
Timelines, rates, and terms vary by lender and borrower profile.
Landlord Growing a Rental Portfolio in an LLC
Illustrative example, not an actual client.
A landlord holding several long-term rentals in an LLC wanted to add another property. A DSCR loan could qualify the purchase on its rental income instead of the owner's tax returns.
Timelines, rates, and terms vary by lender and borrower profile.
Builder Moving From Construction to a Rental
Illustrative example, not an actual client.
A builder planned a new rental home on a vacant lot. A ground-up construction loan could fund the build in draws, with a DSCR loan as a path to long-term financing once the property is complete and rented.
Timelines, rates, and terms vary by lender and borrower profile.
Get started
Find the Right Loan Program for Your Next Investment
Tell us about your deal and we'll match you with the program that fits, with no tax returns and the option to close in your LLC.
- Asset-based underwriting: qualify on the deal, not personal income
- Close in an LLC or other entity name
- Programs from multiple investor lenders
- Five programs covering every stage of an investment
Answer Home Loans, Inc. · NMLS #1729528 · DRE #02058505