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Fix & Flip
Shorter-term financing for investors purchasing a property, completing a defined renovation plan, and reselling after the work is complete.
Investor loan strategy
Investment property financing built around the strategy.
From fix and flip to DSCR rental loans, short-term rentals, and small multifamily financing, we help investors structure the loan around the plan — not just the property.
SimpleOS Investor DeskStructure before quote
Entry StrategyAcquire + improve + stabilize
Cash Flow LensRent, DSCR, reserves
Exit StrategyRefinance, sale, or portfolio hold
Loan types
Investor financing options should match the asset and the plan.
Investment loans can support experienced investors and first-time investors, but the right structure depends on planning, documentation, property type, cash flow, reserves, and the intended exit.
DSCR Rental Loans
Rental financing that is evaluated primarily around the property’s income potential, DSCR, reserves, leverage, and overall investor profile.
Short-Term Rental / Airbnb
Financing conversations for vacation rentals and short-term rental properties where rent projections, market demand, and reserves matter.
Fix & Hold
A structure for investors buying a rental property that needs light improvements before it can be leased, stabilized, and potentially refinanced.
5–10 Unit DSCR / Small Multifamily
Business-purpose investment financing for small multifamily assets where cash flow, property complexity, reserves, and exit strategy are reviewed together.
DSCR loans
Rental financing centered on property income potential.
DSCR loans are commonly used by real estate investors because they are based primarily on the property’s income potential rather than traditional personal income documentation. The review is property-income focused, but program guidelines, credit profile, leverage, reserves, property type, and loan structure still matter.
DSCR financing may be available for 1–4 unit properties and for 5–10 unit small multifamily properties. It can be used for long-term rentals and short-term rentals, including Airbnb-style properties, when the scenario fits investor and program requirements.
Common DSCR features
- Available for 1–4 unit investment properties
- Available for 5–10 unit small multifamily properties
- Can support long-term rental and short-term rental strategies
- Often available to LLCs, depending on program guidelines
- Often structured as business-purpose investment financing
- Typically does not report to personal credit when closed as a business-purpose investment loan
1–4 unit vs. 5–10 unit
Small multifamily DSCR is not priced the same as standard residential investment property.
A single-family rental and an eight-unit rental building can both be investment properties, but lenders evaluate the operating risk, valuation complexity, reserves, and exit options differently.
Planning factor1–4 Unit DSCR5–10 Unit DSCR / Small Multifamily
Typical property type
Single-family homes, condos, townhomes, duplexes, triplexes, and fourplexes.
Small multifamily properties with five to ten residential units.
Market availability
Typically more common, with broader investor appetite across long-term and short-term rental scenarios.
More specialized because 5+ unit properties carry additional risk, operating complexity, and valuation considerations.
Pricing expectation
Generally better pricing than 5+ unit small multifamily DSCR loans, depending on the full file.
Rates are typically higher than 1–4 unit DSCR loans, which is industry standard for the added complexity.
Reserve planning
Reserve requirements vary by program, leverage, credit profile, property type, and cash-flow strength.
Reserve requirements are often higher, and 5+ unit DSCR loans may require 6 to 12 months of PITI reserves.
Fix & Flip / Fix & Hold planning
- Acquisition cost
- Rehab budget
- After-repair value, or ARV
- Rent potential after improvements
- Renovation and holding timeline
- Exit strategy before closing
Rehab strategy
Know whether the project is a flip, a hold, or a bridge to long-term financing.
Fix & Flip financing is for investors buying, renovating, and reselling a property. The strategy is built around acquisition cost, renovation scope, ARV, construction timeline, holding costs, and resale plan.
Fix & Hold financing is for investors buying a property that needs light rehab before being rented. The exit may be stabilization, lease-up, and refinance into a longer-term rental loan, so rent potential and DSCR planning should be discussed early.
PPP is a pricing and strategy decision.
Investment loans commonly include prepayment penalties. Borrowers may be able to choose a no-prepayment-penalty option, but that usually comes with a higher interest rate. The right choice depends on holding timeline, refinance plans, resale timing, and payment strategy.
Entity structure may matter.
Many investment property loans can be structured as business-purpose loans and may be closed under an LLC, depending on the loan program, property type, and borrower structure. When structured this way, the loan may not report on the borrower’s personal credit.
Entry + exit planning
Work with a lender who understands both the entry strategy and the exit strategy.
Investment property financing is not just about getting approved. A strong investment loan strategy should consider the entry strategy, cash flow, reserves, rehab needs, prepayment structure, and exit strategy before the loan is selected.
Purchase priceRehab needsRental incomeDSCRReservesHolding timelineExit planRefinance or sale strategyPPP structure
Program guidelines apply. Terms vary by investor profile, property type, leverage, reserves, and loan structure. This information is educational and is not a commitment to lend or a promise of approval.