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This page contains advertisements from third-party advertisers. Information is provided for illustrative purposes, without any representations or warranties as to accuracy or applicability to you. All credit requests are subject to the review and approval of the applicable mortgage broker, and your actual loan terms will depend on your financial situation. The applicable mortgage broker is responsible for the content of its advertisement and the services it provides.
Investment Real Estate & Property Loans
There are a lot of different loan types out there so make sure you are armed with the information you need to make the best decision for you and your investment.
Conventional Loans
- BiggerPockets members save $1,440 with no lender fee!
- Unmatched customer service with your dedicated mortgage team.
- Priority loan processing and competitive rates.
- Apply for a home loan online. Anytime, anywhere.
- Quick refi pre-approval in 15 minutes or less.
- Variety of loan options: Jumbo, ARM, loans for investment properties.
- All-digital platform. Apply, upload docs & sign right on your phone.
- Free Refi for life. No lending fee on future refinances.
- 28,000+ 5-star reviews on google, Bankrate, Trustpilot & more.
- Primary, secondary, & investment property loans are available.
- Lower to no down payment options.
- Dedicated advisor--- just text, call or email anytime.
- Find the best loan for your situation. We've got you
Try BiggerPockets Lender Match (in Beta)!
Rental Loans - DSCR
- We are a direct lender funding loans nationwide from our in-house investment fund.
- We finance stable, value-add (fix & flip or BRRRR) and ground up development projects on single-family, townhome, condo, multi-family and mixed-use properties.
- RENTAL LOANS: 30-year fixed rate loan on purchase, refinance and cash out refinances. Up to 80% LTV, 30yr interest only, rates start at 3.75%. Quick Closes. No DTI Requirements. Qualify with FICO and DSCR of the property(s).
- RESIDENTIAL FIX & FLIP + BRRRR LOANS: 90% of purchase, 100% of rehab up to 75% ARV. Rates start at 7.49%. Quick Closes. 12 to 36 month term.
- MULTIFAMILY VALUE-ADD: up to 80% of purchase, 100% of rehab up to 75% ARV. Rates start at 6.99%. Non-Recourse available. Syndicated ownership allowed.
- GROUND UP DEVELOPMENT: up to 90% of total project cost. Rates start at 7.49%.
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Ranked #14 in the nation for the 2022 Scotsman Guide rankings.
- Qualify off of "AIRDNA data" as rental income
- 30 or 40 year fixed interest-only options
- 85% LTV for DSCR purchases
- Up to 80% Cash Out on DSCR
- 90% HELOC on investment or secondary properties
- Debt coverage programs as low as 0%
- Creative financing options including asset depletion, cross coll
Hard Money Loans
- Meet a local hard money lender by searching through our directory of members with HML companies!
Airbnb STR Rental Loans
- Direct Lender for DSCR (1-10 Units) and Hard Money (Rehab+Construction) with a nationwide (46 states) platform
- Best Lender for financing Short Term Rentals – up to 80% LTV, qualify with AirDNA projections (including Refinances)
- Best Lender for financing BRRRRs – close purchase in 2 days, refinance and recoup 100% of your purchase + rehab costs in 3 months
- Easy Qualification – no tax returns, no income verification, no DTI, 1st Time Investors Welcome, FICOs down to 620
- Ultimate Flexibility – We work with you on multiple options for buydowns, interest-only options, flexible prepayment structures and more!
- Best Service – knowledgeable and friendly Loan Specialists respond quickly and love to help – find us on the BiggerPockets forums!
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Co-Owned by THE Avery Carl, who literally wrote the book on STRs for BiggerPockets!
- Up to 90% LTV
- Up to 85% LTV DSCR
- We provide exceptional service coupled with our vast knowledge of 1031 exchanges, self-employed income, rental income, and working with the client on understanding how their property will cash flow. The White Label of Investment Lending
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The Mortgage Shop is proving to be the East Coast’s number one stop shop for obtaining a loan on vacation homes, short term rentals, and long term rentals.
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From conventional to non-conventional, we do it all!
- FHA/VA with low down payments
- Lowest interest rates
- Fast closing times
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With a unique underwriting approach, fast turn times, and the best service in the industry, come check out the One Brokerage difference!
Commercial Loans 5+ units
- Instantly match to the right lenders from a network of 1000+ unique capital providers including banks, credit unions, debt funds, and more
- Receive expert underwriting support and guidance from an experienced Capital Advisor.
- Close with confidence through a simplified financing experience that has successfully arranged more than $1 Billion of commercial financing.
- We are a direct lender funding loans nationwide from our in-house investment fund.
- We finance stable, value-add (fix & flip or BRRRR) and ground up development projects on single-family, townhome, condo, multi-family and mixed-use properties.
- RENTAL LOANS: 30-year fixed rate loan on purchase, refinance and cash out refinances. Up to 80% LTV, 30yr interest only, rates start at 3.75%. Quick Closes. No DTI Requirements. Qualify with FICO and DSCR of the property(s).
- RESIDENTIAL FIX & FLIP + BRRRR LOANS: 90% of purchase, 100% of rehab up to 75% ARV. Rates start at 7.49%. Quick Closes. 12 to 36 month term.
- MULTIFAMILY VALUE-ADD: up to 80% of purchase, 100% of rehab up to 75% ARV. Rates start at 6.99%. Non-Recourse available. Syndicated ownership allowed.
- GROUND UP DEVELOPMENT: up to 90% of total project cost. Rates start at 7.49%.
HELOC Home Equity Line of Credit (for investor HELOCs contact TransUnited)
- Line of Credit.
- Investor and Owner occupied.
- Highly competitive rates for Qualified and Non-Qualified mortgage.
- No tax return and no W2 income programs.
- Single family homes and 2-8 units.
- Cash Out.
- Purchase.
- Up to100% LTV. Access more equity and do more with your money.
- All-digital platform. Apply, upload docs, & sign right on your phone.
- 28,000+ 5- star reviews on Google, Bankrate, Trustpilot & more.
- Dedicated advisor --- just text, call. or email anytime.
- Primary, secondary, & investment property loans are available.
- Lower to no down payment options.
- Find the best loan for your situation. We've got you.
Private Lending Events
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Which loan is right for your investment?
There are a lot of different loan types out there so make sure you are armed with the information you need to make the best decision for you and your investment. BiggerPockets has broken down the different loan types for you, if you still have questions be sure to post them into our forums to get advice from other investors.
Commercial
A commercial loan is a loan for a commercial property. Alternatively, investors may take out a commercial loan on a residential property which already has several other loans. Typically, commercial lenders prioritize the property value over the borrower’s ability to pay back the loan.
Conventional Loans
A conventional mortgage or conventional loan is any type of homebuyer's loan that is not offered or secured by a government entity, like the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA) or the USDA Rural Housing Service, but rather available through or guaranteed a private lender (banks, credit unions, mortgage companies) or the two government-sponsored enterprises, the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).
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Adjustable-Rate Mortgage (ARM)
A type of conventional loan, a adjustable-rate mortgage is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan. Normally, the initial interest rate is fixed for a period of time, after which it resets periodically, often every year or even monthly.
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Federal Housing Authority Loans (FHA)
An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans can be used for low-to-moderate income borrowers who are unable or do not want to make a large down payment. These loans allow the borrower to borrow up to 96.5% of the value of the home (with a credit score of at least 580; otherwise, a 10% down payment is required). The 3.5% down payment requirement can come from a gift or a grant, which makes FHA loans popular with first-time homebuyers.
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HomeReady
A type of conventional loan, HomeReady mortgages are offered by Fannie Mae. Similar to an FHA they are meant to help low- and moderate-income borrowers buy or refinance. These loans offer reduce the typical down payment to as low as 3% and reduce mortgage insurance requirements, but they're also more flexible about allowing contributions from other people. This makes HomeReady an ideal choice if you're relying on others to help fund your home purchase. Additionally, these loans allow for private mortgage insurance (PMI) to be cancelled or removed depending on the life-time value of the loan.
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Veteran Affairs (VA)
A VA loan is a mortgage loan available through a program established by the United States Department of Veterans Affairs. These loans are meant to serve service members, veterans, and eligible surviving spouses. These loans offer up to 100% financing on the value of a home along with other benefits that make the purchase of a property a low-expense.
Hard money loan
A hard money loan is a short-term and high-interest loan. Unlike traditional loans a HML is backed by the value of the real estate and not by the credit worthiness of the borrower. They are funded by private investors or companies as opposed to conventional lenders such as banks or credit unions.
Specialty Loans
Specialty loans typically come from non-bank lenders. These loans are usually for consumers and smaller businesses that can't obtain traditional commercial loans.
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Personal
A personal loan can be a simple way to secure cash. Typically money is borrowed from a bank, credit union, online lender or a personal lender. The loan is paid back on a short timeline with monthly installments, including interest, or structured based on negotiations in the case of a personal lender.
Loan resources
Access more resources to better understand your options for investment loans.
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The ultimate beginner's guide to home loans
Taking out a mortgage may be nerve-racking for a first-time buyer—and for good reason. Home loans represent a big commitment. But mortgages are also the simplest, most realistic way for the vast majority of people to buy a home. And if you choose correctly, your loan can be an affordable path to owning a home or investment property. Explore your lending options—including 15 vs. 30-year fixed-rate loans, adjustable-rate loans, and government-backed loans—to make your best, most informed decision here. Read guide
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The guide for choosing the right loan
Are you someone who wants to buy investment property, but you just can’t figure out how to finance your first buy? If so, this article is written for you. Learn about seven different ways to finance your first property. Before that, I’ll also share ideas to make sure this first purchase fits into your overall wealth building strategy so that you don’t waste time going down the wrong paths. Read guide
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FAQs