Investor lending
DSCR, fix and flip, ground-up construction, and private capital matched to the exit plan.
Short answer
Investor lending should match the property plan. DSCR loans fit stabilized rentals, fix-and-flip loans fund acquisition and renovation, ground-up construction loans finance a new build, and private-money or bridge loans prioritize speed and collateral. The exit strategy determines which product is responsible.
Who this is for
- Rental investors buying or refinancing stabilized property
- Fix-and-flip operators with a defined scope and resale plan
- Builders and investors completing ground-up residential projects
- Borrowers needing bridge or private capital before a sale or long-term refinance
What it takes to qualify
- A credible project budget, timeline, and exit strategy.
- Required equity, liquidity, reserves, and experience for the selected product.
- An eligible non-owner-occupied property and a business-purpose transaction where required.
How it works with me
A process you can see the whole way through
Define the business plan
Hold, renovate and sell, build, or bridge to another event.
Stress the numbers
We test rent, after-repair value, construction contingency, carry, and exit timing.
Match capital
We compare leverage, rate, points, draws, reserves, recourse, and prepayment terms.
Protect the exit
The closing structure is checked against the refinance or sale plan.
What to know before you decide
Choose by exit, not by headline rate
A low-rate 30-year DSCR loan is useful for a stabilized rental and usually wrong for a six-month renovation. A bridge loan costs more because it buys speed and flexibility. The right comparison is total project cost through the expected exit.
Four lanes
DSCR is built around rent coverage. Fix-and-flip combines purchase and renovation draws. Ground-up construction funds completed stages from plans and budget. Private money or bridge lending can solve timing, condition, or documentation issues when the collateral and exit are strong.
Investor product map
| Product | Best use | Primary underwriting lens | Typical exit |
|---|---|---|---|
| DSCR | Stabilized rental | Rent versus PITIA, plus credit and reserves | Long-term hold or refinance |
| Fix and flip | Purchase plus renovation | Cost, scope, experience, and after-repair value | Sale or rental refinance |
| Ground-up | New residential construction | Land, plans, budget, builder, and completed value | Sale or permanent loan |
| Private money or bridge | Speed, condition, or timing gap | Collateral, equity, liquidity, and exit | Sale, refinance, or liquidity event |
Terms and availability vary by property, experience, state, lender, and market.
Rates and terms subject to change without notice. Not a commitment to lend. Not available in all states. This is not tax, legal, or financial advice. Consult a qualified professional for your specific situation.
Run your own numbers first
Use the DSCR calculator for rentals and the payment calculator for permanent debt. Project loans need a separate sources-and-uses model.
Open the calculatorsInvestor lending: common questions
Can a first-time investor use these products?
Often yes, especially DSCR, though leverage, reserves, or pricing may differ. Construction and flip programs may place more weight on experience.
Does a DSCR loan require personal income?
Many DSCR programs qualify primarily from property cash flow, while still reviewing credit, assets, reserves, entity structure, and the property.
What is private money best for?
Private or bridge capital is useful when speed, property condition, documentation, or timing makes conventional financing impractical and there is a clear repayment exit.
Can renovation funds be included?
Fix-and-flip and construction products can fund approved work through controlled draws. A standard DSCR loan usually assumes a stabilized or financeable property.
Fine-tune your Investor lending plan
Send the property, purpose, timing, and numbers you already know. The email opens prefilled for this Investor lending page so the review starts in the right lane.
Business-purpose and investor loans (including DSCR) are available in 40+ states.