Every real estate investor has a goal: flipping a fixer-upper, launching a short-term rental, or building long-term wealth through buy-and-holds. But none of it happens without the right investment property financing.
As a broker or loan officer, you’re more than just a go-between. You’re a strategic guide. Your job is to help clients understand their options, weigh the potential risks and rewards, and choose the investment property financing that fits their strategy, not just what they can qualify for.
Start with Their Goals and Risk Tolerance
Before jumping into loan options, take time to understand what your client is really trying to accomplish. Their investment timeline, financial situation, and comfort with risk will all shape the best-fit financing.
Here are a few questions to ask:
- Are they looking to flip quickly or build long-term rental income?
- How much risk are they comfortable taking on?
- Do they have cash reserves for renovations, vacancies, or unexpected costs?
- Are they self-employed or W-2?
- Is this their first investment or one of many?
Once you know the answers, you can recommend the type of investment property financing that matches their goals and gives them the best shot at success.
Top Non-QM Investment Property Financing Options
Let’s break down some of LendSure’s key Non-QM financing programs for investors. Each comes with different benefits, qualifications, and risk levels, so matching the right one to your client’s strategy is important.
- DSCR Loans
Best for: Investors focused on long-term rentals
DSCR (Debt Service Coverage Ratio) loans let your clients qualify based on the cash flow of the property, not their personal income. That makes them ideal for real estate investors with multiple properties, self-employed borrowers, or those with complex finances.
What LendSure offers:
- Loan amounts up to $3M for 1-4 unit properties
- Loan amounts up to $2M for 5-10 unit properties
- Interest-only options for stronger cash flow
- Up to 85% LTV for purchases
- Condotels and non-warrantable condos allowed
- Close multiple loans for the same investor at the same time
- No limit on the number of properties owned and can finance up to 10 properties for one investor
Risk Level: Moderate. Since these loans rely on rental income to qualify, they’re more flexible than traditional financing. But if market rents drop or the property sits vacant, risk increases. Still, for seasoned investors, this can be a reliable way to grow a portfolio.
- Fix and Flip Loans
Best for: Flippers and short-term value-add investors
If your client is looking to buy, renovate, and resell a property quickly, Fix and Flip financing can give them the speed and flexibility they need.
LendSure’s Fix and Flip loan program highlights include:
- Up to 90% of the purchase and 100% of the construction costs
- 12-month interest-only terms
- Available to both first-time and experienced flippers
- Single-family, 1-4 unit multifamily properties, condos, townhomes, and PUDs eligible
- Decisions and term sheets are issued in hours, not days
Risk Level: High. This investment property financing option can come with short timelines, balloon payments, and reliance on resale. Delays, renovation surprises, or a cooling market can all cut into profits. But for flippers with a strong plan, they offer big upside.
- Bank Statement Loans
Best for: Business owners, self-employed workers, freelancers, and 1099 earners
If your client doesn’t show enough income on tax returns to qualify for a traditional loan, a bank statement program is a great alternative. It allows them to qualify using 12–24 months of deposits, instead of full documentation.
What’s Included in LendSure’s Bank Statement loan program:
- Up to 90% LTV
- Loan amounts up to $2M for investment properties
- No tax returns or P&Ls required
- Personal or business bank statements allowed
- Expense ratios as low as 10%
Risk Level: Moderate to High. This type of investment property financing is flexible, but cash flow must be consistent. Since income isn’t verified the traditional way, underwriters have to dig deeper into deposit history. If income varies widely, it could affect repayment. Still, it’s a smart solution for financially stable self-employed investors.
- Foreign National Loans
Best for: International buyers investing in U.S. property
Foreign nationals face unique hurdles when investing in the U.S., especially around income and credit verification. LendSure’s Foreign National loan program is designed to make that process easier and faster.
What’s offered:
- Available for 1-4 unit investment properties
- Loan amounts up to $2M
- Up to 75% LTV for purchases
- Multiple visa types accepted
- Income letter or DSCR allowed for qualification
- Cash-out available up to $500K
- No tax returns required
- Foreign credit report allowed
Risk Level: Variable. The risk depends on several factors (currency stability, documentation availability, etc.), but many foreign buyers bring strong reserves and stable income. With the right structure, these loans can be a great fit for international investors.
Final Broker Tip for Recommending the Right Investment Property Financing Option
Once you’ve helped your client define their investment goals and risk tolerance, the next step is offering clear, actionable advice. Be transparent about the pros and cons of each financing option, not just the rate or LTV, but how it supports (or limits) their strategy. If they’re new to real estate investing, break things down in simple terms; if they’re more experienced, focus on efficiency and scalability.
And above all, work with a lender that gives you room to deliver. LendSure’s flexible programs and fast decisions help you move quickly and confidently, no matter what kind of investor you’re working with.
THE LENDSURE WAY
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with a unique circumstance seeking a loan. We work hard to offer our common-sense take on lending to borrowers seeking funding for the home of their dreams, another addition to their investment property portfolio, or refinancing of a currently owned property.
Are you ready to benefit from a common-sense approach to lending? Contact us today to learn more about investment property financing and how partnering with LendSure Mortgage Corp. can help grow your bottom line.
