Investment Property Loan Programs

Most investors do not need a single loan. They need a rental loan that qualifies on rent, a renovation facility that advances the construction budget, a construction loan that charges interest only on drawn funds, and occasionally a subordinate piece that closes the gap between senior proceeds and the equity they are willing to commit. Running those programs through one desk means the exit from one is already underwritten as the entry to the next.

The programs share a common approach to underwriting. Proceeds are sized off the property — its rent, its total project cost, its completed value or its stabilized cash flow — and the borrower is evaluated on experience, liquidity and credit rather than on debt-to-income. That is what allows a rental to close without tax returns and a rehab to close with the renovation budget financed rather than funded out of pocket.

Every program below lists the leverage it will reach, the parameters underwriting tests, how a transaction moves from application to closing, and where the loan is designed to pay off. Terms are indicative and remain subject to credit review, third-party reports, property condition and capital availability.