Residential Single Family Home Investing

Wait a minute! Why is single family home financing listed with Commercial loans? Well, it’s pretty simple — if it is a non-owner occupied property between 1-4 units (a single family home, duplex, triplex, quadplex), then it is considered Commercial property. What that means is lenders will focus on the value of the property and the cash flow it produces, rather than focusing on the borrowers credit / debt.

In addition to focusing on the asset rather than the borrower, our lenders just flat understand the business of real estate investing versus a traditional owner occupied mortgage lender. If the property you are looking at needs rehab, it’s not unusual to secure a 75% Loan to Value (LTV) loan, plus 100% of the cost to rehab the investment property. These loans can be structured based on your investment strategy of “fix & flip” or “fix & rent”. The simple matter is that we understand this business, and we can help you secure the optimal financing you need to realize your dreams of investing in real estate!

Financing Program Highlights


  • Terms: 13-19 Month Fixed Interest, Balloon Note
  • Minimum Loan Amount: $75,000
  • Maximum Loan Amount: $2,500,000
  • Prepayment Penalty: Not Applicable
  • Eligible Borrowers: US Citizens, Permanent Resident Aliens, Foreign Nationals
  • Credit: 620 FICO
  • LTC and LTV varies with property and borrower
  • Rehab LTC: 100%


  • 13 month interest-only construction period
  • Converts to long-term rental loan once rehab is complete
  • Up to $2MM
  • Up to 90% LTC and 70% LTV
  • Single Family, townhouses, 2-4 units
  • 5030 years, interest-only and fully amortized options available
  • DSCR requirement of 1.20
  • 660 minimum FICO
  • For LLC, all members with 19.9% ownership or more must qualify