Mortgage Lending
Mortgage lending for investors, not homeowners.
This is the longer-term side of the business: the debt that stays on a property once it is stabilised. It is investor lending throughout — qualified on what the asset produces rather than on personal income — and it is where a short-term loan is usually heading once the work is done.
What makes it mortgage
- Qualified on the property
- Rental programs underwrite the income the asset generates. That is what lets an investor scale past the point where personal debt-to-income would stop a conventional lender.
- Where the bridge ends
- A flip that becomes a rental, or a construction loan that reaches certificate of occupancy, needs somewhere to go. Planning that exit at the start is part of how we underwrite the first loan.
- Portfolios, not just properties
- Financing several doors under one facility is a different exercise from financing one. We treat it that way rather than repeating a single-asset process five times.
- Business purpose
- These are investment-property loans. They are not consumer mortgages and are not offered for an owner-occupied primary residence.
Programs in this division
Rates, advance rates and closing times live on each program page.
- Rental Loan ProgramRental property loans up to 85% LTV with terms up to 30 years and rates from 6.4% — built for stabilized rentals and portfolio growth.
- Portfolio LoansConsolidate multiple rental or investment properties under a single portfolio loan with streamlined terms and competitive rates.
- Debt RefinancingRestructure and consolidate existing business debt into simpler, more affordable terms to free up cash flow.
- Commercial LendingFlexible commercial real estate financing for acquisitions, refinances, and value-add projects in all 50 states.
- Mixed-Use LoansFinancing for mixed-use properties combining residential and commercial space, structured to fit your deal and timeline.