Investment Property Loans Nationwide, $100K to $100M
π Real Estate Investor Financing, All 50 StatesI’m Kevin Kermeen, a nationwide commercial loan broker and a real estate investor myself, not a banker. I arrange investment property loans for every play: buy a rental, flip a distressed house, run the BRRRR cycle, or finance a whole portfolio under one loan. From $100K to $100M, my investment property loans qualify on the deal, not your W-2. Tell me your strategy and I’ll match you to the right investment property loans.
Four Investment Property Loans, One Broker Who Owns Rentals Too
Every investor strategy needs a different loan. Here are the four investment property loans I place most, with a straight answer on which fits your deal. Click through for the full details, or just call me and I’ll tell you which one in two minutes.
DSCR Loans
Qualify on the property’s rental income, not your tax returns or W-2s. The property qualifies, not you. Long-term, no income docs, no property-count cap.
See DSCR LoansFix and Flip Loans
Funded on the after-repair value, not the distressed price. Up to 90% of cost and 100% of the rehab in a draw holdback. Close fast, do the work, sell.
See Fix and Flip LoansBRRRR Loans
Buy, Rehab, Rent, Refinance, Repeat. Fund the buy and rehab, then refinance into a DSCR loan to pull most of your cash back out and roll into the next deal.
See BRRRR LoansBuy and Hold Loans
Consolidate a whole portfolio into one blanket loan with one payment, qualified on the blended cash flow. Stop juggling ten mortgages and scale.
See Buy and Hold LoansNot sure which one fits?
That’s what I’m here for. Tell me the deal and I’ll point you to the right investment property loans in one call.
Self-Employed Investor Funded When His Bank Counted His Write-Offs Against Him
An investor wanted to add a $420K rental to his portfolio. His bank stopped him: his tax returns, full of legitimate write-offs, made his income look too small on paper, and he was already near the conventional ten-property cap.
He called me. I placed an investment property loan that qualified on the rental income, not his tax returns, with no cap on his property count. The rent covered the payment, so the deal closed and his portfolio kept growing.
That is the difference between one rigid bank box and a 75-lender network. Don’t Beg the Bank! Get funded instead.
Investment Property Loans for Income-Producing Real Estate
An investment property is one you do not live in: you rent it, lease it, or renovate and sell it. My investment property loans cover the residential investor asset classes below. Larger apartment buildings and commercial buildings run through my commercial real estate programs instead.
Investment Property Loans for Single-Family Rentals
The classic buy and hold. Financed long-term on the rent with a DSCR loan, no personal income docs required.
2-4 Unit Properties
Duplexes, triplexes and fourplexes. More doors, more rent, same investor-friendly qualifying.
Distressed and Value-Add
Rundown houses a bank will not touch, funded on the after-repair value for a flip or a BRRRR hold.
Short-Term Rentals
Airbnb and vacation rentals, qualified on documented short-term revenue or a market-rent schedule.
Condos and Townhomes
Warrantable condos and townhomes that produce rental income fit the standard investor programs.
Rental Portfolios
Three or more rentals consolidated under one blanket buy and hold loan with a single payment.
Which Investment Property Loan Fits Your Deal?
Transparency builds trust. Here is a side-by-side of the four investment property loans I place, so you can see at a glance which one matches your strategy. Click any program for the full guidelines, or call me and I’ll match it for you.
| Loan | Best For | Range and Leverage | Qualifies On |
|---|---|---|---|
| DSCR | Buy or refi one rental | $100K to $50M, up to 75% LTV | The property’s rental income |
| Fix and Flip | Renovate and sell | $100K to $100M, up to 90% LTC | The after-repair value |
| BRRRR | Renovate, rent, refinance, keep | $100K to $100M, two phases | ARV, then the rent |
| Buy and Hold | 3+ rentals, one loan | $100K to $50M, up to 80% LTV | Blended portfolio cash flow |
Swipe to see all columns β
Most of my investment property loans qualify on the property, the rent or the after-repair value of the deal rather than your personal income, so no W-2s or tax returns are required on the core programs. Rates, leverage and terms vary by program and by deal: DSCR rates start around 7%, fix and flip around 9.79% interest-only with points, and blanket portfolio loans around 7.25%. Final leverage, rate and structure depend on the property, the rent, your credit and lender underwriting. This is not a commitment to lend.
One Conversation, the Right Loan, a Fast Close.
No income docs on the core programs means faster underwriting. Here is how I move your investment property loans file while you keep hunting deals.
Tell Me the Deal
The property, the strategy, the numbers and your credit range. No pay stubs needed.
I Match the Loan
I pick the right program of the four and the lender most likely to fund your deal at the best terms.
Appraisal and Underwriting
The property is appraised with a rent or ARV analysis, and the file is underwritten on the deal.
Close and Scale
You close and move on to the next property, with no conventional cap holding you back.
Who These Investment Property Loans Are, and Are NOT, For
I qualify deals honestly so neither of us wastes time. These loans are for investors, not homeowners. If you’re on the left, call me today.
β This IS for you ifβ¦
- βYou’re buying, refinancing or renovating non-owner-occupied property.
- βYou’re self-employed or your tax returns hide your real income.
- βYou want to scale past the 10-property conventional cap.
- βThe deal pencils on rent, after-repair value or portfolio cash flow.
- βYou have a 650+ FICO and the deal is $100K or larger.
π« This is NOT for you ifβ¦
- βYou want to live in the property … these are investment-only.
- βYou want a conventional owner-occupied rate … investor loans run a premium.
- βYou want 100% financing with nothing in the deal.
- βYou need under $100K … a smaller program fits better.
- βThe numbers don’t pencil and there’s no reserve cushion.
Tell Me About Your Deal
Sixty-second investment property loans application. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your investment property loans request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Investment Property Loans From My Desk
A snapshot across all four programs. Every deal is different, yours starts with a conversation.
$420K Β· SFR Rental, NC
DSCR loan qualified on the rent past the conventional 10-property cap, no tax returns.
$250K Β· Flip, AZ
Fix and flip at 90% LTC with 100% of the rehab in a draw holdback, sold into a $340K ARV.
$1.4M Β· 7-Door Portfolio, OH
Seven separate mortgages consolidated into one blanket buy and hold loan, one payment.
How I Match Investment Property Loans That Actually Close
Most brokers know one product and try to force every deal into it. I place four kinds of investment property loans and match the right investment property loans to your strategy, then to the lender most likely to fund it at the best terms. As an investor myself, I know the wrong loan stalls a deal and the right one compounds your portfolio.
The common thread across all four programs is simple: the deal qualifies, not your paycheck. A conventional lender wants two years of tax returns, and if you are self-employed or write off heavily, those returns make your income look small even when your real cash flow is strong. My core investment property loans flip that. A DSCR loan looks at the rent against the payment. A fix and flip loan looks at the after-repair value. A blanket loan looks at the blended cash flow of your whole portfolio. Your 1040 stays out of it.
Here is the honest difference. A bank runs you through one rigid box, caps you at ten financed properties, and slows you down with paperwork. I work a private network of non-QM, hard-money, bridge and portfolio lenders, so your deal gets shopped to the program that fits, with no cap on how many doors you own. The premium over a conventional rate is real, and I will never hide it … but for an investor who needs speed, privacy and scale, that premium buys all three.
So start by telling me the strategy. Buying one rental to hold? A DSCR loan. Flipping a distressed house? A fix and flip loan. Renovating to rent and keep? The BRRRR loan cycle. Holding a stack of rentals? A buy and hold loan. Need bigger or commercial? See my commercial real estate loans and multi-family apartment loans, browse every option on my loan programs page, or grab a deal fast with a bridge loan or fund ground-up with construction and development. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What are investment property loans?
Which investment property loan is right for me?
Do I need tax returns or a high credit score?
How much can I borrow on an investment property loan?
Can I scale past the conventional 10-property limit?
What does it cost to work with you?
An Investment Property Loan Advisor Who Invests in Real Estate Too
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, and a real estate investor myself, not a banker. I match investors to the right loan across rentals, flips, BRRRR and portfolios, and I review every investment property loans file personally. I’m not a bank and I don’t push one-size paper … I shop your deal across a private network of non-QM, hard-money, bridge and portfolio lenders so the property does the qualifying. For independent context, see the U.S. Census Bureau rental housing data and the Federal Reserve interest rate data.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. I arrange investment property loans when you actually need them … rentals, flips, BRRRR and portfolios, $100K to $100M, qualified on the property and not your tax returns, and a same-day callback from a broker who invests in real estate himself.
Loan amounts, leverage, rates and terms shown are typical ranges across multiple programs, not guarantees. Investment property loans are for non-owner-occupied investment property only. Program ranges: DSCR and blanket buy and hold loans run $100K to $50M; fix and flip and BRRRR loans run $100K to $100M. DSCR rates generally start around 7%, fix and flip around 9.79% interest-only with 1 to 5 points, and blanket portfolio loans around 7.25%; your final rate is calculated on the strength of the whole application. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed to you before you commit, and is separate from any compensation to me. Final leverage, rate, term and structure depend on the property, your credit and lender underwriting. This is not a commitment to lend.