The Complete Real Estate Investor Loan Guide

Whether you're flipping your first property or managing a portfolio of 50+ units, this guide covers every financing option available to real estate investors nationwide. No banks. No BS. Just results.

Special Offer

We Waive the 0.5% Processing Fee

Most investor par rates are around 2%, and that often includes a 0.5% processing fee based on the loan amount. FundNow Capital waives that fee for qualified borrowers so you can move faster, lower your upfront cost, and get your loan done without the usual runaround.

How to Choose the Right Investor Loan

Short-Term Strategies

  • Fix & Flip: Buy, rehab, sell in 6-18 months
  • Bridge: Quick capital for time-sensitive deals
  • Hard Money: Asset-based, fast closing

Long-Term Strategies

  • DSCR: Hold rentals, qualify on rental income
  • Portfolio: Multiple properties, one loan
  • Commercial: Multifamily and mixed-use

Top Markets for Real Estate Investors

We lend in all 36 states. Here are some of the most active markets:

Frequently Asked Questions

What credit score do I need for a real estate investor loan?

Many of our programs start at 620 FICO. DSCR loans qualify based on property income, not personal credit. No-doc loans focus on asset value.

How fast can I close on an investment property loan?

We close Fix & Flip and Bridge loans in as little as 10-13 business days. DSCR and commercial loans typically close in 21-30 days.

Do I need to show tax returns for investor loans?

Not for most programs. DSCR loans use rental income. No-doc loans use property value. Only SBA and some commercial products require tax returns.

Can I finance multiple properties at once?

Yes. Portfolio loans and blanket loans are designed for investors with multiple properties. We also offer cross-collateralization strategies.

What states do you lend in?

We provide real estate investor financing in all 36 states. Each state page has specific market data and available programs.

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