Built for real estate investors.
Whether you're buying your first rental or scaling to 50 doors, we have programs designed for how investors actually operate. No W-2 required. Close in an LLC. 200+ lenders competing for your deal.
Get Pre-QualifiedNo credit impact | No commitmentChoose your program
Every investor strategy needs different financing. Pick yours.
DSCR Loans
Qualify based on rental income — not your W-2. Perfect for investors who want to scale without personal income limits.
Learn more ›Fix & Flip
Short-term financing for rehab projects. Fast closings, interest-only payments, and up to 90% of purchase + 100% of rehab.
Learn more ›Bridge Loans
Short-term capital to bridge the gap between buying and selling, or to close quickly on a time-sensitive deal.
Learn more ›Portfolio Loans
Finance 5, 10, or 20+ properties under a single loan with one closing. Simplify your portfolio management.
Learn more ›Investment Property
Conventional and non-QM financing for 1-4 unit rentals. Competitive rates for buy-and-hold investors.
Learn more ›Commercial Loans
Multifamily (5+ units), mixed-use, office, retail, and warehouse. Up to $25M with flexible terms.
Learn more ›Construction Loans
Ground-up builds and major renovations. One-time close, interest-only during build, draws at milestones.
Learn more ›Which Program Is Right for You?
Answer 3 quick questions and we'll recommend the best fit
Investment ROI Calculator
Calculate cash-on-cash return, cap rate, and monthly cash flow
Compare Programs Side by Side
| DSCR | Fix & Flip | Bridge | Portfolio | Commercial | Construction | |
|---|---|---|---|---|---|---|
| Best for | Buy & hold rentals | Rehab projects | Gap financing | 5+ properties | 5+ unit / CRE | Ground-up builds |
| Min credit | 660 | 680 | 660 | 680 | Varies | 680 |
| Down payment | 20-25% | 10-15% | 20-30% | 25-30% | 20-35% | 20-25% |
| Income docs | None | Minimal | Minimal | None (DSCR) | Property NOI | Full docs |
| Max LTV | 80% | 90% + rehab | 75-80% | 70-75% | 75% | 80% of ARV |
| Time to close | 21-30 days | 7-10 days | 7-14 days | 30-45 days | 30-60 days | 30-45 days |
| Entity OK | Yes | Yes | Yes | Yes | Yes | Yes |
Real Investor Scenarios
See how other investors are using our programs.
First-time rental investor
Sarah found a 3-bed SFR listed at $280K in a neighborhood where similar homes rent for $2,100/mo. She used a DSCR loan to avoid using her W-2 income.
Experienced flipper
Marcus found a distressed property for $180K with an ARV of $310K. He needed $65K for renovations and wanted to close before competing offers came in.
Portfolio consolidation
David owned 12 rental properties across 3 states with 12 separate mortgages. He consolidated into one portfolio loan, freeing up cash for his next deal.
Why investors choose Best Finance
We understand real estate investors because we are investors ourselves.
Frequently asked questions
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