We makes the mortgage process fast and simple, for both value-add financing & long term rental financing. Through technology and automation, we’re able to close loans quickly at competitive rates.
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we are a one step shop we can do the hard money part of any deal and the long-term DSCR Loan, residential, small multi families and Airbnb‘s
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Our Process
Step 1
Click the “SUBMIT A DEAL” button to sign in (or create an account if you don’t have one) and input the details for the project you are looking for us to finance.
Step 2
Please ensure the closing date is accurate and inline with the closing timelines listed in the FAQ.
Step 3
Our team will respond to clients who submitted a deal through this portal within 24 hours.
Step 4
If your deal is eligible for financing, you will receive an automated email from noreply@myinvestorloan.com informing that an offer is ready for your review
Step 5
After the loan Offer is accepted and the necessary information and documents under the “Tasks” tab are completed, we will order a valuation and move the file into underwriting. The closing timeframes listed in the FAQ starts at this point.
Step 6
Our fulfillment team will order title and insurance, and reach out to you for any additional info we will need for closing.
Eligibility Criteria
Value-add financing (Fix & Flip)
Credit Score
680 minimum FICO and no serious delinquencies in the
past 2 years.
Loan Term
12 – 18 Months
Property Value
As-is value (or purchase price if applicable) greater than $100,000
Prepay Penalty
None
Purpose
Short-term mortgages to buy and renovate properties
Max Loan Ratios
Up to 90% Loan to cost and 75% Loan to after-repair value (depending on experience)
Loan Amount
$100,000 – $1,500,000 per property; minimum $50,000/unit on 2+ units
Property Type
Single family, 2-4 unit, or 5-8 unit. Manufactured housing and mixed use not eligible.
Location
Property cannot be rural. MSA population must be greater than 75,000.
Located in states outside of AK, HI, NV, ND, SD, WY.
Minimum Liquidity
Down payment, closing costs, three months of mortgage payments, and 15% of renovation budget; $25,000 minimum.
Eligibility Criteria
Long Term Rental Financing
Credit Score
680 minimum FICO and no serious delinquencies in the past 2 years.
Max LTV
Up to 80% for purchase or refinance, 75% for cash out refinance
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$100,000 – $1,500,000 per property; minimum $50,000/unit on 2+ units
Property Type
Single family, 2-4 unit, or 5-8 unit. Manufactured housing and mixed use not eligible.
Location
Property cannot be rural. MSA population must be greater than 75,000. Located in states outside of AK, HI, NV, ND, SD, WY.
Minimum DSCR
Minimum debt service coverage ratio of 1.10.
Loan Term
30 years
Property Value
As-is value (or purchase price if applicable) greater than $100,000
Prepay Penalty
5-yr step-down (5-4-3-2-1); can be reduced to as low as 2 years
Minimum Liquidity
Down payment, closing costs, six months of mortgage payments.