Best Types of Real Estate Deals to Secure Fast Financing

For real estate investors, securing financing quickly can mean the difference between closing a profitable deal and missing out. Lenders favor certain types of properties and strategies because they present lower risk and higher potential returns. If you need fast funding, here are the best types of deals to pursue:

1. Fix-and-Flip Properties

Fix-and-flip loans are popular with private lenders and hard money lenders because they are short-term (6–12 months) and backed by the property’s after-repair value (ARV). Lenders prefer properties that need cosmetic updates (paint, flooring, kitchens) rather than major structural repairs, as these can be completed quickly for a fast resale.

2. Rent-Ready Single-Family Homes

Buy-and-hold investors can secure financing faster with rent-ready single-family homes. Conventional lenders, portfolio lenders, and even government-backed loans (FHA, VA) favor these properties because they are low-risk, easy to appraise, and generate steady rental income.

3. Multifamily Properties (2–4 Units)

Small multifamily properties (duplexes, triplexes, fourplexes) qualify for residential financing (FHA loans allow owner-occupants to house hack) and attract lenders because rental income covers the mortgage. Banks and private lenders often fund these deals quickly due to their cash flow potential.

4. Commercial Properties with Strong Tenants

Stabilized commercial properties (retail, office, industrial) with long-term leases from creditworthy tenants are attractive to lenders. SBA 7(a) loans, CMBS loans, and bank financing are available for these deals, especially if the property has a strong net operating income (NOI).

5. New Construction with Pre-Sales

For developers, construction loans are easier to secure if the project has pre-sales or signed leases. Lenders want to see presold units or committed tenants to ensure repayment.

6. Land with Entitlements

Raw land is harder to finance, but if you have entitled land (approved for development), lenders are more likely to fund it because the risk is lower.

Final Tip: Build Lender Relationships

Having a go-to private lender, hard money lender, or local bank that understands your strategy can speed up funding. Present clear exit strategies, strong comps, and solid financials to close deals faster.

By focusing on these deal types, you’ll increase your chances of securing financing quickly and scaling your real estate portfolio.