# Insource Funding

> Direct private lender since 2001. Asset-based investment property loans ($100K–$5M) for rental, bridge, commercial, and multifamily real estate across 43 states + DC. Close in 8–13 days. No tax returns, no W-2s, NO DSCR required.

Insource Funding underwrites on property value and equity — not personal income or rental cash flow. We've funded over $1 billion across 6,000+ loans. Headquartered in Boca Raton, FL. Phone: (800) 805-3391.

Not available in: Alaska, Arizona, Minnesota, Nevada, North Dakota, South Dakota, Vermont.

## Loan Programs

- [Rental Property Loans](/rental-loans): 30-year fixed loans for 1–4 unit rental properties. NO DSCR required, no income docs.
- [Bridge Loans](/bridge-loans): 12–24 month bridge financing for acquisitions and transitional properties.
- [Commercial Property Loans](/commercial-loans): Mixed-use, retail, office, and light industrial financing.
- [Multifamily Loans](/multifamily-loans): Loans for 5+ unit apartment buildings.
- [Foreign National Loans](/foreign-national-loans): Same programs for non-US citizens with no US credit history required.
- [Hard Money Loans](/hard-money-loans): Asset-based short-term financing for investors.
- [NO DSCR required Loans](/no-dscr-loans): Qualify on property value, not rental cash flow — a $1M property with below-market rent still qualifies. NO DSCR required on residential investment.
- [Balloon Payment Refinance](/balloon-payment-refinance): Refinance commercial, multifamily, mixed-use, and rental balloon payments without DSCR, tax returns, or income docs.

## Pages

- [Home](/): Overview of Insource Funding's loan programs and approach.
- [About Us](/about-us): Company history, leadership, and 23+ year track record.
- [How Approval Works](/investment-property-loan-approval): Our asset-based approval process and timeline.
- [Apply](/apply): Start a loan application.
- [Get a Quote](/quote): Request a personalized loan quote.
- [Contact](/contact): Phone, email, and office location.
- [Testimonials](/testimonials): Investor reviews and case studies.
- [Become a Broker](/become-a-broker): Broker partnership program.

## Guides and Resources

- [Ultimate Investment Property Loan Guide](/ultimate-guide-investment-property-loans): Comprehensive pillar guide.
- [Nationwide Rental Property Financing Guide](/nationwide-rental-property-financing-guide): State-by-state rental loan guide.
- [What Is a DSCR Loan](/what-is-a-dscr-loan): How DSCR loans work and why we don't require them.
- [Hard Money Loans Explained](/hard-money-loans-explained): Pillar guide to hard money lending.
- [Rental Property Investor Guide](/rental-property-investor-guide): Strategies for buy-and-hold investors.
- [Scale Past 10 Properties](/scale-past-10-properties): Portfolio scaling playbook.
- [Strategic Renovation Guide](/strategic-renovation-guide): Renovation ROI for rental investors.
- [Flip vs Hold](/flip-vs-hold): Comparing strategies for investors.
- [Equity Calculator](/equity-calculator): Estimate available equity for cash-out refinance.
- [Investor Resources](/investor-resources): Reports, checklists, and downloads.
- [Blog](/blog): Market analysis, investor strategy, and lending insights.

## State Pages

- [California](/state/california): Investment property loans across California.
- [Colorado](/state/colorado): Investment property loans across Colorado.
- [Connecticut](/state/connecticut): Investment property loans across Connecticut.
- [Florida](/state/florida): Investment property loans across Florida, including vacation rentals and coastal markets.
- [Georgia](/state/georgia): Investment property loans across Georgia.
- [Illinois](/state/illinois): Investment property loans across Illinois, Chicago metro and downstate.
- [Indiana](/state/indiana): Investment property loans across Indiana.
- [Kansas](/state/kansas): Investment property loans across Kansas, including Kansas City metro and Wichita.
- [Louisiana](/state/louisiana): Investment property loans across Louisiana, including New Orleans historic districts.
- [Maryland](/state/maryland): Investment property loans across Maryland. Baltimore City and Baltimore County excluded.
- [Massachusetts](/state/massachusetts): Investment property loans across Massachusetts, Boston metro and Gateway Cities.
- [Michigan](/state/michigan): Investment property loans across Michigan, including Detroit and Grand Rapids.
- [Mississippi](/state/mississippi): Investment property loans across Mississippi, including Jackson and Gulf Coast markets.
- [New Jersey](/state/new-jersey): Investment property loans across New Jersey, PATH corridor and shore markets.
- [New York](/state/new-york): Investment property loans across New York, including all five NYC boroughs and upstate.
- [North Carolina](/state/north-carolina): Investment property loans across North Carolina.
- [Ohio](/state/ohio): Investment property loans across Ohio, high-yield Midwest markets.
- [Oklahoma](/state/oklahoma): Investment property loans across Oklahoma, including OKC and Tulsa.
- [Pennsylvania](/state/pennsylvania): Investment property loans across Pennsylvania, Philadelphia and Pittsburgh metros.
- [South Carolina](/state/south-carolina): Investment property loans across South Carolina.
- [Tennessee](/state/tennessee): Investment property loans across Tennessee, no state income tax markets.
- [Texas](/state/texas): Investment property loans across Texas, no state income tax markets.
- [Virginia](/state/virginia): Investment property loans across Virginia, including military housing markets.
- [Washington](/state/washington): Investment property loans across Washington, Puget Sound and Spokane.
- [Washington, DC](/state/washington-dc): Investment property loans across Washington, DC.
- [West Virginia](/state/west-virginia): Investment property loans across West Virginia, high-yield cash-flow markets.

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