Real Estate Investor Lender Directory
Find the right financing for your next deal. We've researched and curated the best lenders for every stage of your real estate investing journey — from your first rental property to a portfolio of 50+. Compare rates, terms, and requirements side by side with honest reviews from a 30-year lending industry veteran.
20 lenders · 12 loan types · Updated March 2026
Browse by Loan Type
Each loan type serves a different strategy. Choose the financing that matches your deal.
Long-Term / Hold
Permanent financing for buy-and-hold rental properties
DSCR Loans
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income, not your personal income or W-2s. The most popular loan product for buy-and-hold real estate investors scaling a rental portfolio.
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Conventional Investment Property Loans
Traditional Fannie Mae/Freddie Mac-backed mortgages for investment properties. The lowest rates available for investors, but require personal income qualification and are limited to 10 financed properties.
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Portfolio Loans
Portfolio loans are held by the originating bank (not sold to Fannie/Freddie), giving lenders flexibility on guidelines. Ideal for investors with 5+ properties who need blanket financing or flexible underwriting.
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Short-Term / Acquisition
Fast financing for flips, rehabs, and bridge situations
Hard Money Loans
Short-term, asset-based loans primarily used for fix-and-flip projects and bridge financing. Fast closings (7–14 days), minimal borrower qualification, but higher rates and shorter terms than permanent financing.
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Fix-and-Flip Loans
Purpose-built short-term loans that fund both the purchase and renovation of investment properties intended for resale. Similar to hard money but often from tech-enabled lenders with streamlined processes.
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Bridge Loans
Short-term financing that bridges the gap between acquiring a property and securing permanent financing or selling. Used for value-add acquisitions, lease-up periods, and time-sensitive purchases.
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Construction Loans
Financing for ground-up construction of investment properties, from single-family spec homes to build-to-rent developments. Funds disbursed in draws as construction milestones are completed.
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Transitional / Hybrid
Bridge-to-permanent products for BRRRR and value-add strategies
Specialty
Commercial, SBA, bank statement, and private money products
Commercial Real Estate Loans
Financing for 5+ unit multifamily, office, retail, industrial, and mixed-use investment properties. Includes agency debt (Fannie/Freddie Small Balance), CMBS, bank loans, and private credit.
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Bank Statement Loans
Non-QM loans that use 12–24 months of bank statements instead of tax returns to verify income. Designed for self-employed investors and business owners whose tax returns understate their actual income.
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Private Money Loans
Loans from individual private investors, family offices, or small funds — outside the institutional lending system. The most flexible financing available, with terms negotiated directly between borrower and lender.
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SBA Loans
Small Business Administration-backed loans (SBA 504 and 7(a)) for owner-occupied commercial real estate. Low down payments (10%) and competitive rates for investors who operate a business from the property.
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Featured Lenders
Our top-rated lenders for real estate investors, selected for product breadth, competitive rates, and borrower experience.
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
CoreVest
4.4CoreVest (a Redwood Trust company) specializes in rental portfolio loans and build-to-rent financing. The go-to lender for investors with 5+ rental properties who want to consolidate under one blanket loan.
6.5%–10%
75%
660
21–45 days
$500K–$100M
5+ deals
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
Quick Lender Comparison
At-a-glance comparison of rates, LTV, credit score requirements, and closing speed across all lenders in our directory.
| Lender | Loan Types | Rate Range | Max LTV | Min Credit | Speed | Rating |
|---|---|---|---|---|---|---|
| Kiavi | DSCR, Fix & Flip, Bridge +1 | 6.5%–12% | 80% | 640 | 10–21 days | 4.5 |
| CoreVest | DSCR, Portfolio, Bridge +1 | 6.5%–10% | 75% | 660 | 21–45 days | 4.4 |
| Lima One Capital | DSCR, Fix & Flip, Bridge +2 | 7%–12.5% | 80% | 660 | 14–21 days | 4.3 |
| Visio Lending | DSCR | 6.5%–8.5% | 80% | 680 | 21–30 days | 4.2 |
| Easy Street Capital | DSCR, Fix & Flip, Bridge | 6.75%–12% | 80% | 640 | 10–21 days | 4.2 |
| RCN Capital | DSCR, Fix & Flip, Bridge | 6.5%–12% | 80% | 620 | 14–21 days | 4.1 |
| Angel Oak Mortgage Solutions | DSCR, Bank Statement | 6.5%–9% | 80% | 660 | 21–30 days | 4.1 |
| Civic Financial Services | Hard Money, Fix & Flip, Bridge +1 | 7.5%–12% | 80% | 640 | 10–21 days | 4.1 |
| New Silver | Hard Money, Fix & Flip, DSCR +1 | 7.5%–13% | 80% | 650 | 5–10 days | 4.0 |
| Griffin Funding | DSCR, Bank Statement | 6.5%–9% | 80% | 620 | 21–30 days | 4.0 |
| Tidal Loans | Hard Money, Fix & Flip, DSCR +1 | 7%–13% | 80% | 620 | 7–14 days | 4.0 |
| Aloha Capital | Hard Money, Fix & Flip, Bridge | 8%–12% | 80% | 650 | 7–14 days | 4.0 |
| Velocity Mortgage Capital | DSCR, Commercial | 6.5%–9% | 75% | 660 | 21–45 days | 4.0 |
| Arrived (formerly Fund That Flip) | Fix & Flip, Bridge | 8.5%–12% | 85% | 640 | 10–14 days | 3.9 |
| Defy Mortgage | DSCR, Bank Statement | 6.5%–9% | 80% | 620 | 21–30 days | 3.9 |
| Roc Capital | Hard Money, Fix & Flip, Bridge +1 | 7%–12% | 80% | 620 | 10–21 days | 3.9 |
| Groundfloor | Fix & Flip, Hard Money | 7.5%–14% | 75% | 600 | 14–21 days | 3.8 |
| Lendency | DSCR | 6.75%–8.5% | 80% | 660 | 14–21 days | 3.8 |
| Lima One (formerly OfferMarket) | DSCR | 6.5%–8.5% | 80% | 640 | 21–30 days | 3.7 |
| Park Place Finance | Hard Money, Fix & Flip, Bridge | 9%–13% | 75% | 600 | 7–14 days | 3.7 |
Browse Lenders by State
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Frequently Asked Questions
What type of loan do I need for a rental property?
For a long-term rental property, the most common options are DSCR loans (qualify based on rental income, no W-2 needed) and conventional investment property loans (lowest rates, but require income documentation and are limited to 10 properties). DSCR loans are the most popular choice for investors scaling a portfolio.
What type of loan do I need for a fix-and-flip?
Fix-and-flip projects typically use hard money loans or specialized fix-and-flip loans. These are short-term (6-18 months), fund both purchase and renovation costs, and close quickly (7-14 days). Rates are higher (9-14%) because the loan is short-term and asset-based.
Can I get an investment property loan with bad credit?
Yes. Hard money lenders focus on the property value rather than your credit score — some accept scores as low as 550. DSCR lenders like RCN Capital and Griffin Funding accept credit scores as low as 620. The lower your score, the higher the rate and down payment requirement.
How much down payment do I need for an investment property?
Typically 15-25% for long-term loans (conventional or DSCR) and 10-25% for fix-and-flip loans (depending on experience). House hackers can use owner-occupied financing with as little as 3.5% down (FHA) by living in one unit of a multi-unit property.
What is the difference between a DSCR loan and a hard money loan?
DSCR loans are long-term (30-year), lower-rate (6.5-8.5%) financing for rental properties you plan to hold. Hard money loans are short-term (6-24 months), higher-rate (10-14%) financing for flips and rehabs. Many investors use hard money to acquire and renovate, then refinance into a DSCR loan to hold long-term (the BRRRR strategy).
How We Review Lenders
Every lender in this directory has been researched and evaluated by our editorial team, led by Bill Rice, a 30+ year veteran of the mortgage lending industry. We evaluate lenders on rate competitiveness, product range, closing speed, credit requirements, customer experience, and transparency.
We are not a lead generation company. We do not sell your information to lenders. Our directory is designed to help you make informed financing decisions with transparent, side-by-side comparisons and honest editorial reviews. Some lenders in this directory may have affiliate partnerships with ProInvestorHub — this is always disclosed and never influences our ratings or editorial content.
Know Your Numbers Before You Borrow
Use our free calculators to analyze your deal, then find the right lender to finance it.