Who we fund
Financing Options for Real Estate Investors and Property Businesses
Yes, real estate investors can get business funding, though the right product depends on whether you are buying, renovating, or holding property. Commercial real estate loans cover purchases and refinances, while lines of credit and home equity can fund down payments and renovations.
Get matched: real estate investors
The reality
Cash-flow challenges we hear every day.
Down payments and closing costs
Investment property loans usually require more cash down than owner-occupied homes. Pulling that cash together for each deal limits how fast you can grow.
Renovation costs before rent or resale
Rehab work has to be paid as it happens, and the property earns nothing until it is rented or sold. Delays add holding costs each month.
Vacancies and turnover
An empty unit still has a mortgage, taxes, and insurance. Turnover also brings cleaning, repairs, and leasing costs.
Fast-moving deals
Good properties often sell quickly, and sellers prefer buyers who can close fast. Slow financing can cost you the deal.
Best-fit funding
Funding that fits real estate investors.
Commercial real estate loans finance multifamily, mixed-use, and commercial properties based largely on the property's income and value.
$250K–$10M+‡30–60 days*A HELOC on property you already own can fund down payments or renovations, and you pay interest only on what you draw.
$25K–$500K‡2–4 weeks*A business line of credit held by your property LLC helps cover repairs, turnover, and short gaps between rent collections.
$10K–$500K‡1–3 days*A term loan can fund larger capital improvements across a portfolio, such as new roofs or HVAC systems.
$25K–$2M‡2–7 days*What lenders look for
Typical profile for real estate investors.
Lenders usually look at the property's value and rental income, your experience as an investor, your credit, and your cash reserves. Many will want to see rent rolls, leases, and a schedule of properties you own.
Common uses of funds
- Down payments on rental or commercial property
- Renovating units before renting or selling
- Refinancing to pull equity out of a property
- Covering repairs and turnover costs
- Paying property taxes and insurance during vacancies
- Funding capital improvements across a portfolio
Can I get a loan for a rental property in an LLC?
Yes, many commercial and investor lenders lend to LLCs. Most will still ask for a personal guarantee from the owners.
Can I use a HELOC to buy investment property?
Yes, you can use a HELOC on property you own to fund a down payment or purchase. Keep in mind that the property securing the HELOC is at risk if you cannot repay.
Do lenders count rental income when I apply?
Usually yes. Commercial and investor lenders often focus on the property's income and debt service coverage rather than only your personal income.
What is the difference between residential and commercial real estate loans?
Residential loans generally cover one to four units, while commercial loans cover larger multifamily and commercial buildings and are underwritten more on property income.
Funding for real estate investors, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor