Investor Financing
Financing Built for Real Estate Investors — Not Homebuyers
Investor-focused loan programs that qualify on rental income, not W-2s. DSCR loans, hard money, bridge financing, and portfolio loans for investors who move fast and think long-term.
Investment Strategies We Finance
Investor Financing Programs
DSCR Investor Loans
Debt Service Coverage Ratio loans qualify based on the property's rental income — not your personal income. Ideal for investors with multiple properties or complex tax returns.
Hard Money & Bridge Loans
Fast, asset-based financing for acquisitions and fix-and-flip projects. Close in days, not months. Repaid upon sale or refinance.
Portfolio Loans
Finance multiple investment properties under a single loan structure. Simplifies management and often unlocks better terms for experienced investors with 5+ properties.
Commercial Investment Loans
Financing for commercial investment properties — retail, office, industrial, and mixed-use. Structured around the property's income and cap rate.
Investor Financing FAQs
What is investor financing?
Investor financing refers to loans and credit facilities designed for real estate investors and business investors — not owner-occupants. These programs are structured around the investment's income potential and asset value rather than the borrower's personal income.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income of the investment property rather than the borrower's personal income. If the property's rent covers the mortgage payment (typically 1.0–1.25x), you can qualify — regardless of your W-2 income or tax returns.
How much can I borrow for an investment property?
Investment property loans typically go up to 75–80% LTV for single-family rentals and 65–75% for commercial investment properties. Loan amounts range from $75K to $5M+ depending on the property type, location, and program.
Can I finance multiple investment properties?
Yes. Portfolio loans allow investors to finance multiple properties under a single structure. Many investors use portfolio loans once they have 5+ properties to simplify management and improve terms. We work with lenders who specialize in multi-property investor portfolios.
How fast can investor financing close?
Hard money and bridge loans for investors can close in 5–10 business days. DSCR and conventional investor loans typically close in 21–30 days. Speed depends on the property type, loan amount, and documentation readiness.
Ready to Fund Your Next Investment?
Apply today or call Gary Hughey to discuss your investment strategy and find the right financing structure.