Investor loans · NMLS #1707407

Loans for Real Estate Investors

Whether you're buying your first rental or your fiftieth door, the right loan depends on the property, your plan for it and how you want to document income. This page lays out every investor loan we offer, who each one fits, and how to choose.

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Investor loans

Investor loan types at a glance

As a mortgage broker, we aren't tied to one lender's rules. We shop your deal across dozens of investor, DSCR and commercial lenders, so when one says no, we have other places to go.

Loan	Best for	How you qualify
DSCR loan	Long-term rentals, 1–4 units	The property's rent covers the payment; no tax returns
Short-term rental loan	Airbnb and VRBO properties	Booking history or market data
Fix and flip loan	Buying, renovating and selling	The deal, the rehab budget and the after-repair value
DSCR refinance	Lowering a payment or pulling cash out	The property's rent; seasoning rules apply
Multifamily financing	2–4 units up to apartment buildings	Rent, rent roll and operating income
Commercial loans	Mixed-use, retail, office, industrial	DSCR, lite doc or full doc
DSCR second mortgage and DSCR HELOC	Pulling equity without touching a low-rate first mortgage	The rent covers both payments
Foreign national loans	Investors who live outside the U.S.	Passport, visa and the property's rent; U.S. credit not always required

Watch: What to look for in a DSCR lender, with Trevor Gravink.

Step by step

How to choose the right investor loan

Holding the property as a rental? Start with a DSCR loan, or a short-term rental loan if it will be on Airbnb or VRBO.
Renovating and selling, or renovating then renting? Use a fix and flip loan, then refinance into a DSCR loan if you keep it.
Five or more units, or a commercial building? Look at multifamily or commercial financing.
Already own rentals with equity? Compare a cash-out refinance with a DSCR HELOC or second mortgage.
Self-employed and would rather not use tax returns? DSCR, lite doc and bank statement programs all avoid them.

Not sure which fits? That's the first conversation we have. We'll walk through which options you'd likely qualify for and which one fits your timeline.

The basics

What sets investor loans apart from a home loan

Qualifying on the property, not your paycheck. Most investor loans look at the property's rent or the deal itself.
LLC ownership. Most investor programs let you close in an LLC. See DSCR loans for LLCs.
No limit on the number of properties at many DSCR lenders.
Prepayment penalties are common, so plan how long you'll hold the loan.
Higher down payments, usually 20–25% on rentals and more on commercial property.

Why it matters

Why investors use a broker

"Every lender has its own rules: rural properties, HOA fees, LLC structures, seasoning, how short-term income is counted. One lender's 'no' is often another lender's 'yes.' I ask the questions up front, like whether the property is rural, that I regularly see other lenders and brokers miss, so the deal doesn't fall apart after the appraisal."

— Trevor Gravink, Mortgage Broker, ReBroker Buddy (NMLS #1707407)

More lenders, more answers. We work with dozens of wholesale investor and commercial lenders.
Apples-to-apples quotes. We compare offers on the same prepayment penalty, DSCR and loan amount, so you see the real difference.
Problems caught early. Taxes after the sale, insurance, HOA rules, rural status and seasoning get checked before you pay for an appraisal.
Someone who invests too. Trevor is a mortgage broker, real estate broker and investor.

Real results

"…Trevor handled the bumps and setbacks like a champ and got us over the finish line… I'm a full time investor with 20-ish units, and loans are usually a nightmare. Trevor turned it into a semi-smooth, walkable path."

— Darwin C., 5-star Google review

"I had already gone through multiple lenders that were unable to get my file to the finish line, and Trevor was the person who finally got it done… When one lender turned out not to be the right fit for my situation, he was able to pivot, find another solution, and keep the process moving instead of letting the deal fall apart."

— Waldy C., 5-star Google review

What clients say

Reviews from our clients

FAQ

Investor loan FAQ

What is the easiest loan for a real estate investor to get?

For rentals, a DSCR loan is usually the simplest, because it qualifies on the property's rent with no tax returns or employment verification.

How much do I need to put down on an investment property?

Usually 20–25% for rentals, sometimes 15% with strong credit, and more for commercial buildings and short-term rentals.

Can I get an investment property loan as a first-time investor?

Yes. Many DSCR and fix and flip lenders work with first-time investors, sometimes with a larger down payment. See DSCR loans for first-time investors.

Can I buy investment property in an LLC?

Yes. Most investor programs allow LLC ownership, though most lenders won't accept layered LLCs, where one LLC owns another.

How many investment properties can I finance?

Many DSCR lenders have no limit on the number of financed properties, though some cap their own exposure to one borrower.

Do you lend on rural investment properties?

Some lenders do, often with a pricing adjustment or lower leverage. Tell us up front if the property might be rural so we match it to the right lender.

Keep exploring

More investor loans

Get started

Get your investor loan quote

Answer a few quick questions about the property and your plans. There's no credit check to see your options, and we'll shop your scenario across our lenders.

Prefer to talk first? Call (619) 404-6637 or book a free consultation.

Business-purpose loans for non-owner-occupied investment properties. Programs, guidelines and ranges shown are typical of the wholesale lenders we work with and can change at any time. Not a commitment to lend. Broker Buddy LLC, Trevor Gravink NMLS #1707407.