Investment Property Financing
Loans Built for Real Estate Investors.
Purchase. Refinance. Cash-Out. Alternative Documentation. Commercial.
28 years of experience financing investment properties — single-family rentals, small multifamily, large commercial, and everything in between. Programs structured around the deal, not a template.
Financing Programs
Financing Programs
Every investor situation is different. The programs below cover the full range of investment property financing — from a single-family rental purchase to a commercial acquisition. If your situation doesn't fit a standard program, that's what alternative documentation is for.
Investment Property Purchase
Financing for the acquisition of single-family rentals, 2-4 unit properties, and small multifamily. Structured around the property's performance and the investor's strategy.
Learn MoreRate & Term Refinance
Refinancing existing investment property debt to improve rate, term, or loan structure. Repositioning debt without pulling equity.
Learn MoreCash-Out Refinance
Accessing equity in an investment property to fund acquisitions, improvements, or portfolio expansion. Structured around the property's current value and performance.
Learn MoreDSCR Loans
Debt Service Coverage Ratio loans underwritten on the property's rental income — not the borrower's personal income. Designed for investors with complex income structures.
Learn MoreBank Statement Programs
Alternative documentation for self-employed investors. Qualifying income derived from 12-24 months of business or personal bank statements instead of tax returns.
Learn MoreCommercial Real Estate
Financing for office, retail, industrial, mixed-use, and multifamily properties. Underwritten on the property's income and performance.
Learn MorePortfolio & Blanket Loans
Investor-specific programs for borrowers with multiple properties. One loan across multiple assets — simplifying debt structure and improving terms.
Learn MoreFix & Hold Financing
Acquisition and stabilization financing for value-add investment properties. Structured for investors who buy, improve, and hold.
Learn MoreMultifamily (5+ Units)
Financing for apartment buildings and larger multifamily properties. Underwritten on the property's net operating income and cap rate.
Learn MoreProperty Types
Property Types We Finance
Single-Family Rentals
1-4 unit investment properties. The most common investment property type — and one where program selection and deal structure make a significant difference in terms and approval.
Small Multifamily (2-4 Units)
Duplex, triplex, and fourplex properties. Financed as residential investment properties with programs that account for rental income from all units.
Multifamily (5+ Units)
Apartment buildings and larger multifamily assets. Underwritten as commercial properties based on net operating income, cap rate, and property performance.
Mixed-Use
Properties with both residential and commercial components. Underwriting accounts for the full income picture — residential rents and commercial leases.
Commercial
Office, retail, industrial, and specialty commercial properties. Structured around the property's income, lease terms, and market fundamentals.
Short-Term Rentals
Investment properties operated as short-term rentals. Program availability and underwriting approach varies — contact to discuss your specific property.
Underwriting
What Lenders Look At.
Investment property underwriting is different from owner-occupied residential. Understanding what lenders evaluate — and how to position a deal — is where 28 years of experience makes a difference.
The Property
Condition, location, property type, and market. For income-producing properties, the rental income and operating expenses matter as much as the purchase price.
Loan-to-Value
Investment properties typically require more equity than owner-occupied. LTV requirements vary by property type, program, and borrower profile.
Debt Service Coverage
For DSCR programs, the property's rental income relative to the proposed debt service. A DSCR above 1.0 means the property covers its own debt.
Borrower Profile
Credit, reserves, and investment experience. Requirements vary significantly by program — conventional programs have stricter requirements than portfolio or alternative documentation programs.
Documentation
W-2 income, self-employment income, bank statements, or DSCR — the documentation approach determines which programs are available and how the deal is structured.
26 Years
Why Experience Matters in Investment Lending.
Investment property financing is not a commodity. The same borrower buying the same property type can get dramatically different outcomes depending on which lender they use, which program they're put into, and how the deal is structured and presented.
After 28 years working specifically in investment real estate financing, I know which programs fit which situations, how to position a deal for the best outcome, and what documentation tells the right story. That knowledge is what I bring to every transaction.
FAQ
Common Questions.
Get Started
Tell Me About the Deal.
Describe the property, the transaction, and what you're trying to accomplish. I'll review it and come back with a clear picture of what programs are available and how to structure it.