What is a DSCR loan for real estate investors?

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the property's rental income rather than personal income. If the property's rental income covers the mortgage payment (DSCR of 1.0+), you can qualify without tax returns or W-2s.

What financing is available for fix and flip projects?

Fix and flip loans provide short-term financing (6-24 months) for property acquisition and renovation. These loans typically cover 70-90% of purchase price and 100% of renovation costs, with rates starting at 9% and fast closings in as little as 7 days.

Can I finance multiple rental properties in one loan?

Yes, portfolio loans allow investors to finance multiple rental properties under a single loan. This simplifies management and often provides better terms than individual loans. Portfolio loans can cover 5 to 100+ properties.

What credit score is needed for investment property financing?

Minimum credit scores start at 620 for DSCR loans, with better rates and higher LTV available at 680+. Fix and flip loans may be available with scores as low as 600 depending on the deal structure and experience.

Do I need experience to get real estate investment financing?

Experience is preferred but not always required. First-time investors can qualify for DSCR loans based on property cash flow. Fix and flip lenders may require a mentor or partner for first-time flippers.

Can I close in an LLC for investment properties?

Yes, most investment property loans allow entity ownership including LLCs, LPs, and corporations. This provides liability protection and simplifies tax planning for real estate investors.

Talk to a specialist(800) 730-8461 Sign in Get started

Real Estate Investment

Real Estate Investment Financing

From fix-and-flip projects to large rental portfolios, we provide flexible financing solutions designed for serious real estate investors.

Get Pre-Qualified Speak to a Specialist

Single Family Rentals

Fix & Flip Projects

Multifamily Properties

Mixed-Use Buildings

Commercial Properties

New Construction

BRRRR Strategy

Short-Term Rentals

Fast Closings

Close in as little as 7 days for bridge loans

No Tax Returns

DSCR loans without income verification

Investor Focus

Specialists who understand investor needs

Scale Portfolio

No limits on number of properties

Financing Options

Investment Property Financing Solutions

Comprehensive financing options designed for real estate investors at every level.

Fix & Flip Loans

Short-term financing for property acquisition and renovation projects.

Amount: $100,000 - $5,000,000

Terms: 6-24 months

Rental Portfolio Loans

DSCR loans for rental properties based on cash flow, not personal income.

Amount: $75,000 - $25,000,000

Terms: 5-30 years

Ground-Up Construction

New construction financing for residential and commercial developments.

Amount: $500,000 - $50,000,000

Terms: 12-36 months

Commercial Investment

Financing for multifamily, retail, office, and industrial investment properties.

Amount: $1,000,000 - $100,000,000

Terms: 5-30 years

Success Stories

Real Estate Investment Case Studies

See how we've helped real estate investors achieve their portfolio goals.

$3,200,000

Rental Portfolio Expansion

Real estate investor with 12 single-family rentals

Challenge

Wanted to acquire 20 more units but hit conventional loan limits

Solution

DSCR portfolio loan covering all 20 properties in one transaction

Result

Financed all 20 properties in one transaction

$12,500,000

Mixed-Use Development

Developer building retail/residential project

Challenge

Needed construction financing with flexible draw schedule

Solution

Construction-to-permanent loan with interest reserve

Result

One loan covered construction and converted to permanent financing

Qualifications

Investment Property Financing Requirements

Our investor-focused programs have flexible requirements that prioritize property performance over personal income documentation.

DSCR of 1.0+ for rental properties (interest-only available)

Personal credit score of 620+ (higher LTV with 680+)

Real estate investment experience preferred (not required)

Property must meet minimum value thresholds

Entity ownership accepted (LLC, LP, Corp)

Ready to Scale Your Portfolio?

Apply online in minutes and get a decision within 24-48 hours. Our investment property specialists understand investor needs.

Apply Now Schedule a Consultation

Build Your Real Estate Empire Today

Join hundreds of real estate investors who have trusted Halo Business Finance for their growth.

Get Pre-Qualified View All Industries