More than fifteen ways to finance an investment property or a business-purpose transaction. Each one qualifies you differently. The art is matching the investment to the right structure before it ever reaches a lender.
Start with the kind of property. Some programs work for both, so they have their own column.
1 to 4 unit homes and rentals
DSCR LoansQualify on the rent, not your tax returns.→ Fix & Flip / Fix & RentBuy, renovate, then sell it or keep it.→ Foreign National & ITINNo Social Security number or U.S. credit needed.→5+ units and business property
Cannabis FinancingReal estate and capital for licensed operators.→ Church LoansBuy, refinance, expand or build.→ Commercial Real EstateMixed-use, office, retail and industrial.→ MultifamilyApartment buildings with 5 or more units.→Investment property or commercial
Airbnb / Short-Term RentalQualify on short-term rental income.→ Bank Statement LoansDeposits qualify self-employed borrowers.→ Bridge & Hard MoneyFast, asset-based funding.→ Ground-Up ConstructionBuild new, first build or fifth.→ Land & Lot LoansRaw land, entitled lots and acreage.→ Portfolio & BlanketMany properties, one loan.→Send us the scenario. We will tell you which structure works, which does not, and why.