Target: Flippers, Builders, Developers, and BRRRR investors.
Transition & Construction Loans (RTL / Fix-and-Flip)
Stop missing deals due to slow bank approvals and delayed draw funds. From heavy distressed rehabs to ground-up new construction, we fund the deals that rigid algorithms reject because we understand the dirt and local nuances.
- Up to 85% Loan-to-Cost (Purchase)
- 100% of Renovation or Vertical Construction Funded
- 7 to 10-Day Closing Speeds
Target: Buy-and-hold investors, landlords, and vacation rental syndicators.
DSCR Loans (Long-Term & Vacation Rental)
Scale your portfolio without bank red tape. We completely bypass personal W-2 income verification and DTI limits. From urban duplexes to rural mountain cabins, we underwrite the asset’s cash flow using VALID Reporting and AirDNA data.
- 30-Year Fixed Rates
- 0% Personal W2 Income Verification
- LLC / Corporate Entity Required
Stop Being a Vendor. Become an Acquisition Partner.
Because we exclusively issue business-purpose loans, we are legally exempt from RESPA consumer restrictions. We share the revenue because we want your entire book of investor business.
The 25% Standard & Compliance
We pay a 25% Referral Fee on the Gross Origination points to Licensed Agents on every commercial loan you bring us. To ensure strict regulatory compliance, this fee is paid directly to your managing broker via wire within 48 hours of funding (outside of closing).
Frequently Asked Investor Questions
Which private lenders fund the BRRRR strategy from rehab to long-term rental?
Investor Underwriting provides seamless Bridge-to-Perm financing. We utilize our Residential Transition Loan (RTL) to fund the acquisition and 100% of the renovation costs, and then refinance the stabilized asset into a 30-year DSCR loan to hold the property as a premium rental.
How do I get a mortgage for a rental property using only bank statements and no W2?
By utilizing a DSCR (Debt-Service Coverage Ratio) loan, Investor Underwriting bypasses personal W-2 income verification entirely. We use VALID Reporting and AirDNA data to underwrite the loan based entirely on the property’s projected market rent or nightly revenue.
Do you offer hard money loans for ground-up new construction?
Yes. We provide high-leverage construction loans for builders and developers. We fund up to 85% of the land acquisition and 100% of the vertical construction costs, managed through fast, common-sense draw schedules so your crews never stop working.
Will you fund a DSCR loan for a short-term rental in a rural market?
Yes. Traditional algorithm-driven lenders often reject rural or mountain properties due to strict appraisal requirements. Because Investor Underwriting utilizes VALID Reporting and AirDNA data, we will fund a rural property (like a cabin in Blue Ridge) as long as the projected short-term rental revenue supports a Debt-Service Coverage Ratio (DSCR) above 1.00.
Who are the top DSCR lenders that allow cross-collateralization on a rental portfolio?
Investor Underwriting allows investors to execute a Portfolio Roll-Up. We use cross-collateralization to sweep multiple investment properties into one 30-year fixed commercial loan facility, providing a single monthly payment and blended valuations.
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