Key Takeaways
- Average loan size: $340K
- Approval rate: 72% for qualified applicants
- Typical funding timeline: 7-14 Days
- Average borrower revenue: $950K
- Check your Bankability Score to see personalized options
A real estate investor loan is a capital product designed for investors who acquire, renovate, or hold income-producing properties. Unlike owner-occupied mortgages, investor loans evaluate the deal—the property's after-repair value, rental income potential, and your track record—rather than relying solely on personal income and credit. Bankable connects real estate investors with lenders who move fast enough to close competitive deals and structure terms that maximize your returns.
Industry Challenges
- Speed of capital is critical—competitive deals close in 7-14 days or not at all
- Traditional banks are too slow (45-60 day closings) for investment properties
- Down payment requirements of 20-30% tie up significant personal capital
- Renovation cost overruns averaging 15-25% above initial estimates
- Carrying costs (interest, insurance, taxes, utilities) erode profits on longer holds
- Portfolio scaling limited by personal debt-to-income ratios at conventional banks
Funding Solutions
- Fix and Flip Loans: Short-term (6-18 month) loans covering 85-90% of purchase price and 100% of renovation costs. Rates from 8-12%.
- Bridge Loans: Fast-close capital for acquisitions when timing is critical. Fund in 7-14 days with asset-based underwriting.
- DSCR Rental Loans: Long-term financing for rental properties based on the property's cash flow (DSCR), not your personal income. 30-year terms available.
- Portfolio Lines of Credit: Revolving credit secured by your existing rental portfolio to fund new acquisitions without selling existing assets.
- Ground-Up Construction: Finance new builds from land acquisition through certificate of occupancy with structured draw schedules.
Capital Products
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Explore →Frequently Asked Questions
A fix and flip loan is a short-term (6-18 month) loan that finances the purchase and renovation of a property you intend to resell for profit. Lenders typically fund 85-90% of the purchase price and up to 100% of renovation costs, using the property's after-repair value (ARV) as the basis for underwriting.
Fix and flip loans require 620+ minimum. DSCR rental loans require 660+. Bridge loans can work with 600+ if the deal is strong. Higher credit scores (700+) unlock better rates and higher leverage across all product types.
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income divided by the monthly loan payment. A DSCR of 1.25 or higher (rental income is 125% of the payment) typically qualifies. No personal income verification, W-2s, or tax returns required.
Yes, but terms will be more conservative for first-time investors. Expect 75-80% LTV (vs. 85-90% for experienced investors), slightly higher rates, and possibly a requirement for larger cash reserves. Completing a flip or holding a rental for 12+ months establishes your track record.
Bridge loans and fix-and-flip loans can close in 7-14 business days. DSCR rental loans take 21-30 days. Some hard money lenders offer 5-day closings for repeat borrowers with established relationships.