Investment Property Loans
Direct lender for rental, commercial, multifamily, and bridge investment property loans. We approve based on the appraised value and your equity, no income verification required for rental property purchases. Close in 8–13 business days.
Direct lender, no broker middlemen
Approved based on appraised value and equity
Rental, commercial, multifamily, and bridge options
Close in 8–13 business days
Up to 75% LTV, 90% CLTV with seller carry
* Up to 90% CLTV when the seller carries a second mortgage.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
How Investment Property Loans Work
How are investment property loans approved?
We approve deals based on the appraised value, the equity, and the overall deal. We do not require personal income or tax returns for rental property purchases.
What types of properties qualify?
1–4 unit rentals, multifamily, commercial, mixed-use, and transitional properties. Properties can be purchased vacant if there is a plan to place a tenant.
How does this work for bridge vs long-term loans?
Bridge loans require a clear exit strategy. 30-year loans do not, they are designed for long-term holds and refinancing.
Loan Options for Investment Properties
Rental Loans
Long-term financing for 1–4 unit investment properties. No income verification and NO DSCR required for purchases. Used for long-term holds or refinancing once a tenant is in place.
Learn MoreBridge Loans
Short-term financing for purchases, value-add, or time-sensitive deals. Requires a clear exit strategy such as sale or refinance.
Learn MoreCommercial & Mixed-Use
Financing for non-residential and mixed-use properties. DSCR is required for commercial loans above $500K.
Learn MoreMultifamily
Financing for apartment buildings and multi-unit properties. Used for purchases, repositioning, and portfolio growth.
Learn MoreInvestment Properties We Finance
We finance a broad range of investment properties, from residential rentals to small commercial buildings.
Single-Family Rentals
1–4 unit residential investment properties
Multifamily (2–20 Units)
Apartment buildings and small complexes
Mixed-Use Buildings
Retail or office with residential units above
Commercial Properties
Retail, office, industrial, self-storage
Condos & Townhomes
Non-owner occupied investment purchases
Foreign National Properties
US investment properties for non-US citizens
Loan Parameters Overview
Qualification
- Based on appraised value and deal structure
- No income verification for rental property purchases
- NO DSCR required for rental purchases
- DSCR required for commercial loans above $500K
Property Status
- Vacant properties allowed for purchase
- For refinance, a tenant or lease must be in place
Leverage
- Up to 75% LTV
- Up to 90% CLTV with seller carry
Timing
- Typical closings in 2–3 weeks
Real Investors. Real Properties.
These aren't just offers — they're real deals backed by real investors who made a move. Here are a few examples where financing speed mattered.
Tampa, FL
$485KDuplex Investment Property
Closed in 11 Days
Orlando, FL
$320KSingle Family Vacation Rental
Closed in 9 Days
Miami-Dade, FL
$650KTriplex Cash-Out Refinance
Closed in 13 Days
Why Insource Funding
Direct Private Lender Since 2001
Frequently Asked Questions — Investment Property Loans
Have more questions about investment property financing?
Speak with a Lending SpecialistReady to Finance Your Investment Property?
If you're buying a rental property or refinancing a portfolio, we'll give you a clear answer fast. No runaround and no unnecessary paperwork.
Get My Investment Property Loan QuoteInsource Funding has provided investment property loans nationwide since 2001 — NO DSCR required, no tax returns, flexible deal terms across 43 states + DC.
Loan terms, rates, and availability subject to underwriting approval and may vary by location.