Real Estate Investor Loans
Financing Solutions for Real Estate Investors
Real estate investor loans including DSCR, conventional investor, hard money, and portfolio loans offer unique pathways to building wealth through real estate. These programs are designed to help investors finance rental properties, fix-and-flip projects, and grow their portfolios with flexible qualification options.
Purchase Refinance Schedule Appointment
Comparing Your Investor Loan Options
The financing you choose will depend on your investment strategy, whether it's long-term rentals or short-term flips. This table compares the most powerful investor loan programs to help you make the right choice for your next deal.
| Feature | DSCR Loan | Conventional Investor Loan | Hard Money / Fix-and-Flip | Portfolio Loan |
|---|---|---|---|---|
| Income Qualification | Based on property's rental income (cash flow). | Based on borrower's personal income (DTI ratio). | Based on the property's After Repair Value (ARV). | Based on the cash flow of multiple properties. |
| Best For | Investors who want to qualify without personal income docs. | Investors with strong personal finances (W-2 income, good credit). | Short-term fix-and-flip projects requiring speed. | Seasoned investors refinancing or purchasing multiple properties at once. |
| Down Payment | 20-25% | 20-25% | 10-20% of purchase & rehab costs. | Varies (often 25-30% LTV). |
| Loan Term | 30-year fixed | 15 or 30-year fixed | 6-24 months (short-term) | Varies (often 5-10 year terms) |
| Key Advantage | No personal income verification. | Lower interest rates. | Speed (can close in days). | Streamlines financing for a large portfolio. |
In-Depth Guide to Investor Loans
Let's explore the details of each investor loan program.