Loan programs
Investment property loans, by what the deal actually needs
Five programs cover almost every investment deal: a stabilized rental qualifies on its own rent, a transitional building needs short-term money, a renovation is underwritten on what the property will be worth, a build needs draws, and a 5+ unit apartment is priced on net operating income. Pick the one that matches your deal and see the real terms.
Investor financing
DSCR Loans: Qualify on Property Cash Flow
Get DSCR loan scenarios for rental properties, short-term rentals, multifamily, and select commercial deals — without personal income documentation.
See terms and requirements →Short-term financing
Bridge Loans for Real Estate Investors
Short-term capital when speed and flexibility matter more than long-term rate.
See terms and requirements →Renovation financing
Fix and Flip Loans
Buy it, fix it, sell it. Fast capital designed for quick turnaround projects.
See terms and requirements →New construction financing
Ground-Up Construction Loans
Build from the ground up with structured draws tied to construction milestones.
See terms and requirements →Buy and hold financing
Rental Property Loans
Long-term financing built for investors who buy, hold, and build wealth through rental income.
See terms and requirements →Multifamily financing
Apartment Building and Complex Loans for 5+ Unit Investors
Compare long-term apartment mortgages, DSCR-style multifamily options, and bridge loans for acquisitions, refinances, and value-add buildings.
See terms and requirements →Which program fits your deal
The property already rents. A DSCR loan qualifies on the rent the property collects rather than your tax returns, which is why buy-and-hold investors use it for long-term holds.
You need to move before conventional money can. A bridge loan buys time — an auction purchase, a building between tenants, a refinance that has to close before a maturity date.
The property needs work before it can qualify for anything. Fix-and-flip financing is sized on the after-repair value and funds the renovation in draws.
There is nothing on the lot yet. Ground-up construction financing covers land and build budget, released against inspections as the build progresses.
The building has five or more units. Once you cross five units most lenders underwrite it as commercial real estate, on net operating income, occupancy, and unit mix.
DSCR loans by state
Rental underwriting is national, but the details that decide a deal are not — licensing, closing costs, title practice, insurance, and typical rents all move by state. 50 state guides cover what changes where you are buying.
Are you a mortgage broker?
Relip is a direct lender that operates 100% wholesale. We fund these programs through brokers and never compete with them for the borrower — term sheets, appraisal, credit, background, and title all run through the platform under your brand.
See what brokers get →