Investment Property Financing
For Real Estate Investors
Fix and Flip Loans
Short term financing for the purchase & rehab of non-owner occupied properties.
Rental Loans
Long-term financing for investors who are holding properties for rental income.
Bridge Loans
Short-term financing for residential, commercial & mixed-use properties.
Understanding Your Loan Options
If you’re getting ready to start investing, learning what to expect from real estate investment loans is an important step. As an investor, you have different options to consider. In many cases, investment property financing comes from a private lender, which means that they aren’t bound by the same requirements as a bank or traditional lender. Your ability to qualify depends more on your experience and the potential of the property, and less on your personal income and credit.
There are different kinds of private money loans. For example, fix and flip financing is a short-term loan, usually six to 12 months long. You can expect to pay 6-12% in an interest rate on this loan. Most of the time, you can borrow up to 70% of the property’s after-repair value.
For rental property loans, it’s common to apply for a short-term loan to handle the rehab work, then refinance to a traditional 30-year, fixed-rate, amortized loan. If you don’t have income to show for it, you might apply for a bridge financing real estate loan, to cover your costs until you have a tenant’s income that can help you qualify for a mortgage.
Private loans require down payments and fees that may be different from traditional financing. You’ll typically pay at least 20% down for one to four doors, although you might get more flexibility if you’re using a BRRRR strategy. Multifamily loans usually call for a 25% down payment. By comparison, a fix and flip could be 0-15%. Keep in mind that you will probably have to pay about 3% in points, plus an appraisal and other fees.
If you have a real estate deal and there is money to be made, I can help you find the funding!
1. Submit Your Loan Application
Click the link and submit an application.
2. Complete Credit Authorization
We will send you a credit authorization to confirm your credit and background.
3. Schedule Appraisal
An appraiser from our team will reach out to schedule a time to inspect the property.
4. Underwrite the Loan
We will send you a list of documents and requirements we need to underwrite your loan.
5. Close
You’ll schedule a time to sign paperwork and take ownership of the property.
6. Feedback
We’re here when you’re ready for the next one!
