Purchase loans
Financing to buy 1–4 unit residential property you will rent, renovate, or resell. Sized on the property and your plan for it, not only your personal income.
- Loan size
- $500K – $5M
- Property
- 1–4 unit residential
- Occupancy
- Non-owner occupied
- Capital
- Private & alternative
How purchase loans work
Investment property loans fund the purchase of non-owner-occupied residential real estate. Private lenders generally focus on the property and the transaction itself, the purchase price, current and projected value, the borrower’s plan for the asset, and the borrower’s experience and liquidity, rather than relying only on personal income documentation.
We review the acquisition as a whole before presenting it to lenders: the contract terms, the closing date, the equity being contributed, and whether the property will be stabilized, renovated, or resold. That context helps identify which lending sources are a realistic fit and how the request should be framed.
Commonly used for
- Buying a rental or value-add property with a fast or non-traditional close
- Acquisitions where the property, not personal income, drives the loan
- Portfolio additions for experienced investors
What lenders look at
- Purchase price, as-is value, and loan-to-value
- Contract timeline and closing date
- Down payment and post-closing liquidity
- Exit strategy: hold, refinance, or sale
Rate, leverage, fees and term depend on the deal and the lender. All loans are subject to lender underwriting and approval.
Questions
What types of properties do you finance?
We currently focus on 1–4 unit residential properties held for investment: single-family homes, two- to four-unit buildings, and similar investor-owned residential real estate that is not occupied by the borrower.
Do you finance owner-occupied properties?
No. Our focus is non-owner-occupied investment property. Financing for a primary residence or second home is a different category of lending with its own requirements, and we do not arrange it.
How quickly can financing close?
Timing depends on the transaction, the lender, and how quickly items such as the appraisal, title, insurance, and borrower documentation are completed. Private financing can often move faster than conventional bank lending, but no closing date can be guaranteed.
If you are working against a contract deadline, tell us the date when you submit the request so it can be factored in from the start.
What information do I need to submit?
To start, our financing request form asks for the property address and type, purchase price or current value, requested loan amount, loan purpose, renovation budget if any, your experience, an approximate credit range, and your timeline.
If the transaction moves forward, lenders commonly request items such as a purchase contract, a scope of work and budget, entity documents, bank statements, a schedule of real estate owned, and leases or rent rolls for rental properties. Exact requirements vary by lender.
Have a deal in mind?
Tell us the property, the price, and what you need. An advisor will call you back to talk it through.