Real estate investor financing
DSCR, Bank Statement and Hard Money Loans for Real Estate Investors
You bring the deal. We bring the funds. The Funding Clinic helps real estate investors across the U.S. find the right loan, fast.
the right funding.
01 / Find your financing
Loans for Real Estate Investors
No one can do everything. You have contractors, tenants, and agents to deal with. Let our team handle the funding while you focus on the deal.
Rental income, working for you
DSCR Loans
A DSCR loan lets you buy or refinance a rental property using the rent the property earns. You do not have to show your personal income.
Learn more →A different way to qualify
Bank Statement Loans
A bank statement loan lets you qualify with the money that goes into your bank account, instead of your tax returns.
Learn more →Keep your deal moving
Hard Money Loans
A hard money loan is fast, short-term funding for a real estate deal. The lender cares most about the property and the plan.
Learn more →See the potential
Fix and Flip Loans
A fix and flip loan helps you buy a property and pay for repairs, so you can fix it up and sell it.
Learn more →02 / The people behind the properties
What Our Clients Say
4.7 stars on Google. Read our Google reviews.
03 / A clear path to closing
How It Works
Your deal has enough moving parts.
Let’s make financing the simple one.
- Tell us about your deal. Book a call or send a message. We ask about the property and your plan.
- We shop it for you. We match your deal with lenders from our network.
- You choose and close. You pick the offer that fits. You decide whether to accept it.
Investors helping investors
Why Investors Pick Us
- We are real estate investors ourselves
- We speak plain English, with no confusing loan talk
- One call gets your deal in front of many lenders
- Close in as little as 15 days with a recent appraisal
04 / Wherever your next deal takes you
Lending in Many States
We work with investors by phone and video, so you can book a call from wherever your deal is. We can broker business purpose loans in these states.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See our Los Angeles investor loans. Not sure we cover your area? See where we work.
05 / A little clarity
Questions We Hear a Lot
Have a question about your own deal? Let’s talk it through.
Talk to our teamWhat is the maximum loan I can get?
Maximum loan-to-value (LTV) is 85% for purchases and 75% for refinances.
What is the minimum credit score required?
For standard DSCR loans offering the most competitive rates, a credit score of 620 or higher is required. The higher your credit score, the lower your interest rate will be. However, we can accommodate scores as low as 580 through our partners who focus on equity-based lending. Please be aware that loans with lower credit scores will incur higher interest rates and fees.
How fast can I close?
We can close in as little as 15 days if you have an appraisal that's less than 90 days old. Usually, we close loans within 30 days. The faster you provide the necessary documents, the quicker we can complete the process. We're here to help ensure everything goes smoothly.
Do you originate loans for short term rentals?
Yes, we collaborate with lending partners who offer DSCR loans for short-term rental properties.
What is the difference between a fix-and-flip loan and a DSCR loan?
A fix-and-flip loan is short-term financing designed to cover the purchase and renovation of a property for quick resale. A DSCR (Debt Service Coverage Ratio) loan is based on the property’s rental income and is typically used for long-term buy-and-hold investments, where the property generates enough income to cover loan payments.
Can I refinance a fix-and-flip loan into a long-term loan?
Yes, once the renovation is complete and the property is stabilized, many investors choose to refinance into a long-term DSCR or rental loan.
Your next move starts here
Ready to talk
about your deal?
Tell us about your deal. We will help you find the right loan.