CAPITAL
Financing Built Around Real Estate Investors
Investor Financing provides capital solutions for qualified borrowers acquiring, improving, holding, refinancing, or expanding non-owner-occupied real estate investments.
Investor Financing Solutions
Investment strategies vary, and the financing should reflect the property, borrower experience, business plan, cash flow, renovation needs, timeline, and exit strategy.
DSCR
What It Is
DSCR financing is designed for qualifying investment properties where the property's rental income and debt-service coverage can play a central role in underwriting.
Who It's For
Real estate investors seeking financing for qualifying non-owner-occupied rental properties.
Common Uses
- Rental property acquisition
- Buy-and-hold investment
- Investment-property refinance
- Portfolio growth
What Lenders May Consider
The property income, expenses, loan terms, borrower profile, reserves, property type, and lender guidelines can all affect qualification.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Fix & Flip
What It Is
Short-term investment financing designed for qualifying borrowers purchasing and renovating properties with the intention of resale or another defined exit.
Who It's For
Investors acquiring properties that require renovation, repositioning, or improvement before resale or refinance.
Common Uses
- Property acquisition
- Renovation costs where eligible
- Value-add projects
- Short-term investment strategies
What Lenders May Consider
Lenders may evaluate experience, purchase price, renovation budget, after-repair value, borrower contribution, timeline, and exit strategy.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
BRRRR
What It Is
BRRRR financing supports the Buy, Rehab, Rent, Refinance, Repeat investment strategy by connecting acquisition and renovation planning with a longer-term rental objective.
Who It's For
Investors seeking to acquire and improve rental properties with the intention of refinancing after stabilization.
Common Uses
- Acquisition
- Rehabilitation
- Rental stabilization
- Refinance planning
- Portfolio recycling
What Lenders May Consider
A successful BRRRR strategy depends on acquisition basis, renovation scope, stabilized rent, value, financing terms, and the ability to execute the refinance stage.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Buy & Hold
What It Is
Buy & Hold financing supports investors acquiring properties intended to produce rental income and remain in the portfolio over a longer period.
Who It's For
Investors focused on long-term rental ownership and portfolio growth.
Common Uses
- Rental-property acquisition
- Long-term ownership
- Portfolio expansion
- Refinance where appropriate
What Lenders May Consider
Cash flow, property condition, market rent, borrower profile, reserves, and long-term investment objectives may affect the financing path.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Short-Term Rental
What It Is
Short-Term Rental financing supports qualifying non-owner-occupied properties intended for or operating as short-term rentals, subject to lender and property requirements.
Who It's For
Investors pursuing vacation rentals or other eligible short-term rental strategies.
Common Uses
- STR acquisition
- Existing STR refinance
- Portfolio expansion
- Eligible vacation-rental properties
What Lenders May Consider
Underwriting can vary by lender and may consider property type, location, market data, historical or projected income, borrower profile, and local requirements.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Bridge
What It Is
Bridge financing provides short-term capital intended to address a time-sensitive acquisition, transition, repositioning, or temporary financing need until a longer-term solution is available.
Who It's For
Qualified investors who need speed or flexibility for an eligible short-term real estate opportunity.
Common Uses
- Acquisition
- Property transition
- Repositioning
- Time-sensitive closings
- Bridge-to-permanent strategies
What Lenders May Consider
Bridge loans generally require a clear exit strategy, sufficient equity or borrower contribution, and a realistic timeline.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
New Construction
What It Is
New Construction financing supports qualifying investment residential construction projects from approved planning and budget through completion.
Who It's For
Qualified investors and builders pursuing eligible ground-up residential investment projects.
Common Uses
- Ground-up investment construction
- Spec projects where eligible
- Construction budgets
- Construction-to-exit strategies
What Lenders May Consider
Lenders may evaluate land, plans, permits, budget, builder or borrower experience, contingency, draw structure, timeline, and exit strategy.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Cash-Out Refinance
What It Is
Cash-Out Refinance allows qualifying investors to refinance an investment property and potentially access eligible equity, subject to lender requirements.
Who It's For
Investors with qualifying equity who want to restructure financing and access a portion of that equity for eligible purposes.
Common Uses
- Portfolio growth
- Business or investment purposes
- Property improvements
- Capital repositioning
What Lenders May Consider
Available proceeds depend on property value, existing debt, cash flow, seasoning, borrower profile, and lender guidelines.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Rate & Term Refinance
What It Is
Rate & Term Refinance restructures existing investment-property debt without making cash-out proceeds the primary purpose of the transaction.
Who It's For
Investors evaluating whether different loan terms may better fit an existing investment property.
Common Uses
- Refinancing existing debt
- Term restructuring
- Potential payment or maturity planning
- Long-term financing transition
What Lenders May Consider
The benefit depends on current financing, property performance, market conditions, costs, and available lender programs.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Foreign National
What It Is
Foreign National financing provides potential investment-property financing pathways for qualifying non-U.S. citizen investors, subject to lender-specific requirements.
Who It's For
Eligible foreign national investors seeking to acquire or refinance U.S. investment real estate.
Common Uses
- U.S. investment-property acquisition
- Eligible rental properties
- Investment refinance
- Portfolio development
What Lenders May Consider
Documentation, visa or residency status where applicable, foreign credit or reference requirements, reserves, entity structure, and property type can vary significantly by lender.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.
Portfolio / Blanket
What It Is
Portfolio / Blanket financing may allow qualifying investors to finance multiple investment properties under a portfolio-oriented structure.
Who It's For
Experienced or growing investors seeking a more consolidated financing approach for multiple eligible properties.
Common Uses
- Multiple-property financing
- Portfolio refinance
- Portfolio acquisition
- Debt consolidation where eligible
What Lenders May Consider
The lender may evaluate the combined property pool, cash flow, borrower experience, leverage, concentration, reserves, and portfolio performance.
How the Process Works
Begin with the borrower, property, loan purpose, requested amount, experience, and timeline. The financing request can then be reviewed against available capital options. Additional documentation may be requested before an opportunity can move forward.
Program availability, leverage, rates, fees, credit requirements, reserves, property eligibility, documentation, and underwriting standards vary by lender and can change. Website content should not be treated as a commitment to lend or a guarantee of terms.