Investor Loan Programs

A curated list of active loan programs for real estate investors. Guidelines update frequently - the “last confirmed” date on each program shows the most recent time we verified it's still in market.

Bridge Loan for Investors

confirmed 5/9/2026

Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.

FICO 500+

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.

FICO 620+LTV up to 70%

Bank Statement Loan

confirmed 5/16/2026

Bank statement loan program for self-employed borrowers with options up to 90% LTV.

FICO 600+LTV up to 90%12mo-bank-stmt, 3mo-bank-stmt

DSCR Loan for Investment Properties

confirmed 5/9/2026

A DSCR loan program for investment properties that allows for asset depletion to boost ratios, accepts first-time investors, and offers flexible credit requirements.

FICO 600+LTV up to 80%dscr-only, asset-depletion

Specialized Investor Loan Program

confirmed 5/9/2026

Fixed-rate second lien mortgage options for primary, second, and investment properties, allowing borrowers to access equity without refinancing their existing first mortgage.

FICO 660+LTV up to 85%full-doc

Specialized Investor Loan Program

confirmed 5/9/2026

A flexible HELOC program for primary, second homes, and investment properties with up to 95% CLTV and no initial draw requirement.

FICO 640+LTV up to 95%alt-doc

Non-QM Investor Loan

confirmed 5/11/2026

A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements for income qualification, requiring no bank statements or tax returns.

FICO 660+LTV up to 80%p-and-l

Fix & Flip Loan for Investors

confirmed 5/9/2026

A residential transition loan program designed for real estate investors to finance property renovations and flips on non-owner-occupied properties.

DSCR Loan for Investment Properties

confirmed 5/15/2026

DSCR program for investment properties allowing for true business purpose loans without requiring a license.

FICO 600+LTV up to 85%dscr-only, no-income

Bridge Loan for Investors

confirmed 5/9/2026

A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.

no-income

DSCR Loan for Investment Properties

confirmed 5/9/2026

A DSCR loan program for investment properties that allows for short-term rentals, vacant properties, and qualification based on market rent without requiring a lease.

dscr-only

Foreign National Investment Loan

confirmed 5/9/2026

Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.

alt-doc

Asset-Qualifying Loan

confirmed 5/15/2026

Investment property loan program utilizing asset depletion for income qualification.

asset-depletion

Non-QM Investor Loan

confirmed 5/15/2026

Investment property loan program utilizing profit and loss statements for income qualification.

LTV up to 85%p-and-l

Bridge Loan for Investors

confirmed 5/10/2026

Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.

FICO 650+LTV up to 75%no-income

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.

FICO 620+LTV up to 70%

Specialized Investor Loan Program

confirmed 5/10/2026

Conventional loan program for investment properties and second homes featuring no prepayment penalties and competitive pricing.

LTV up to 90%

Specialized Investor Loan Program

confirmed 5/9/2026

Conventional loan program for second homes and investment properties featuring no prepayment penalties and flexible documentation.

LTV up to 90%full-doc

Non-QM Investor Loan

confirmed 5/9/2026

Financing solutions for condo projects that do not meet standard Fannie Mae or Freddie Mac guidelines, including those with litigation, high commercial space, or investor concentration.

Non-QM Investor Loan

confirmed 5/9/2026

A proprietary optimization tool that evaluates reserves, FICO, DTI, LTV, and residual income to potentially improve LTV and pricing on Non-QM loans.

DSCR Loan for Investment Properties

confirmed 5/9/2026

A business purpose DSCR loan for 1-8 unit investment properties that does not require state licensing in most cases. The program features no reserves for loans under $1.5 million and allows for 100% gift funds for down payments.

DSCR 0.75+dscr-only

Non-QM Investor Loan

confirmed 5/10/2026

Non-QM loan program for non-permanent resident aliens with updated requirements for Visa and EAD card expiration timelines.

LTV up to 50%

DSCR Loan for Investment Properties

confirmed 5/9/2026

DSCR loan program for investment properties requiring a minimum 1.00 DSCR ratio and credit scores of 680 or higher.

FICO 680+LTV up to 80%DSCR 1+dscr-only

Jumbo Investor Loan

confirmed 5/15/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, allowing non-warrantable condos.

FICO 660+LTV up to 80%

Jumbo Investor Loan

confirmed 5/15/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and flexible DTI requirements.

FICO 660+LTV up to 89.99%

Jumbo Investor Loan

confirmed 5/15/2026

High-balance jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million.

FICO 660+LTV up to 90%

Jumbo Investor Loan

confirmed 5/15/2026

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, offering bank statement or full documentation options.

FICO 680+LTV up to 85%12mo-bank-stmt, 24mo-bank-stmt

DSCR Loan for Investment Properties

confirmed 5/9/2026

A DSCR loan program for residential 5-8 unit investment properties, offering fixed-rate and interest-only options with loan amounts up to $3 million.

FICO 680+dscr-only

Non-QM Investor Loan

confirmed 5/9/2026

A 30-year fixed rate program for various property types including residential and commercial, featuring no minimum credit score requirement at 50% LTV.

LTV up to 50%

DSCR Loan for Investment Properties

confirmed 5/11/2026

A non-QM investment property loan for 5-8 unit residential properties, offering fixed-rate and interest-only options with a minimum DSCR of 1.00.

FICO 680+dscr-only

Specialized Investor Loan Program

confirmed 5/9/2026

A fixed-rate second lien program offering up to 85% CLTV for primary and secondary homes, and 75% CLTV for investment properties, with credit scores starting at 660.

FICO 660+LTV up to 85%full-doc

Non-QM Investor Loan

confirmed 5/15/2026

A non-QM second mortgage program offering up to 90% CLTV for primary, second home, and investment properties with flexible income documentation options.

LTV up to 90%full-doc, 12mo-bank-stmt

Specialized Investor Loan Program

confirmed 5/10/2026

A flexible, fully amortized HELOC solution for primary, second home, and investment properties with loan amounts up to $750,000 and fast funding in as little as 5 days.

FICO 600+LTV up to 85%alt-doc

Specialized Investor Loan Program

confirmed 5/9/2026

Prime mortgage program for first and second liens with updated LTVs for P&L only documentation and expanded eligibility for rural properties and first-time homebuyers.

LTV up to 85%p-and-l, full-doc

Fix & Flip Loan for Investors

confirmed 5/9/2026

Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.

DSCR Loan for Investment Properties

confirmed 5/15/2026

A closed-end second lien loan option that supports various income documentation types or DSCR qualification for cash-out needs.

LTV up to 85%DSCR 1+12mo-bank-stmt, 24mo-bank-stmt

DSCR Loan for Investment Properties

confirmed 5/9/2026

A flexible Non-QM program offering full income, alternative income, and DSCR documentation options with fixed, adjustable, and interest-only rate structures.

full-doc, alt-doc

DSCR Loan for Investment Properties

confirmed 5/10/2026

A DSCR program for investment properties that allows qualifying using a combination of rental income and asset utilization, including retirement accounts and stocks.

FICO 680+LTV up to 80%dscr-only, asset-depletion

Bank Statement Loan

confirmed 5/10/2026

A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.

FICO 600+LTV up to 90%12mo-bank-stmt, 24mo-bank-stmt

Non-QM Investor Loan

confirmed 5/8/2026

A closed-end second lien mortgage program available for owner-occupied, second home, and investment properties with fixed-rate terms of 10, 20, and 30 years.

FICO 660+LTV up to 90%full-doc, 12mo-bank-stmt

DSCR Loan for Investment Properties

confirmed 5/15/2026

A debt service coverage ratio loan program designed for investment properties, qualifying based on property cash flow rather than personal income.

LTV up to 80%dscr-only

Specialized Investor Loan Program

confirmed 5/14/2026

Prime mortgage program for owner-occupied and non-owner occupied properties featuring P&L only options and DSCR options with no ratio requirements.

LTV up to 85%p-and-l, dscr-only

DSCR Loan for Investment Properties

confirmed 5/8/2026

A non-QM DSCR program for real estate investors that qualifies borrowers based on property rental income rather than personal income, with a minimum FICO score of 620.

FICO 620+dscr-only