INNOVATIVE FINANCING SOLUTIONS FOR TODAY’S PROPERTY INVESTORS
INVESTMENT PROPERTY EASE OF USE
A Full Investment Lineup, Not a Single Product
Most property investors don’t stop at one. They build portfolios, and every property they acquire is another loan in your pipeline. We finance investment properties across the experience spectrum, from first-timers buying their first rental to active builders acquiring their tenth.
- ✓ No portfolio cap: finance up to 10 loans per investor with no limit on properties owned.
- ✓ Multiple loans, one closing: purchase two properties at once or refi one while acquiring another in a single transaction.
- ✓ Three qualification paths: full doc, bank statement, or property cash flow (DSCR).
- ✓ LLC and trust vesting: the right structure for portfolio investors and 1031 exchanges.
- ✓ Non-warrantable condos and condotels: eligible across the lineup.
- ✓ Cryptocurrency accepted for reserves: removes a documentation barrier for crypto-forward investors.
- ✓ Foreign nationals eligible: investors can qualify via bank statements, CPA letters, or DSCR; no SSN or U.S. tax returns required.
The opportunity
One Investor Client Can Become Ten Loans
The first investment property loan is rarely the last. Real estate investors can build portfolios over years, and the broker who closes their first deal has the potential to fund the next nine. Most lenders don’t make that easy. Conventional underwriting caps financed properties, requires full income documentation across the entire portfolio, and treats every rental loss as a hit to DTI rather than an offset to income.
We’re built around how investors actually operate. Multiple properties, complex income, deals that need to move fast.
This is repeat business by design. Once you’ve closed one investor with us, the next eight are usually theirs to bring you.
HOW BORROWERS QUALIFY
Three Documentation Paths, One Set of Programs
The right path depends on the borrower’s income profile and the property’s cash flow. Submit the scenario, and we’ll help match the investor’s objective, whether that’s the lowest rate, maximum cash flow, or something else entirely, to the documentation path that fits.
Full Documentation
Traditional income documentation with one significant difference in how we treat rental properties. Instead of adding net rental losses as a monthly obligation (which inflates DTI and shrinks buying power), we deduct net rental losses from the borrower’s income. For investors with multiple properties, the impact is potentially substantial. Click here to see how this works.
Bank Statement
For self-employed investors whose tax returns don’t reflect the full income picture. 12 or 24 months of personal or business statements, variable expense factors as low as 10%, and the ability to blend multiple income streams into a single qualifying figure.
DSCR Investor Cash Flow
No personal income documentation. Qualification is based on the property’s gross monthly rent relative to PITIA. We use gross rents directly without deducting a vacancy factor. When actual rents exceed the appraiser’s market rent, we can use the higher figure with leases and two months of receipts. See our walkthrough of how to calculate DSCR for a closer look at the math.
PROGRAM SPECS
Investment Property Program Details
1–4 Unit Properties
- ■ Loan amounts up to $3,000,000
- ■ Purchase LTV up to 85%
- ■ Rate-and-term LTV up to 80%
- ■ Cash-out LTV up to 75%
- ■ Cash-out available up to $500,000
- ■ SFR, condos, non-warrantable condos, condotels
- ■ DSCR ratios as low as 1.0x
- ■ Available for 5-10 unit properties
Eligibility and Structure
- ■ LLC and trust vesting accepted
- ■ No cap on properties owned
- ■ Up to 10 loans per investor
- ■ Multiple simultaneous closings
- ■ Cryptocurrency accepted for reserves
- ■ Transferred appraisals accepted
- ■ 1031 exchange-compatible across non-owner occupied programs
Rate Buydown and Stacking
Discount points used to buy down the rate can be financed into the loan amount through our stacking feature, available across all investment programs. Borrowers get a lower payment without depleting reserves. Interest-only payment options are also available, which can meaningfully improve qualifying ratios in higher-rate environments.
BUILT FOR BROKERS
How We Close Investor Deals Other Lenders Won’t Touch
Rental Losses Deducted From Income, Not Added to Debt
This is the single biggest DTI advantage we offer on full-doc files. Conventional lenders treat net rental losses as a monthly obligation, which inflates DTI on every additional property. We treat them as an income reduction. For an investor with five rentals, the difference is often the line between qualified and declined. See our walkthrough of rental income calculation for how this affects DTI and pricing.
Multiple Simultaneous Closings
Your investor is buying two properties at once? Refinancing one while acquiring another? We can close them in a single transaction. Most lenders require separate closings. Fewer headaches for you and faster momentum for the borrower.
No Portfolio Limit
There’s no cap on how many financed properties your borrower can own. Each new file is evaluated on its own merits, not against an arbitrary ceiling. We can finance up to 10 loans for a single investor.
1031 Exchanges Across the Lineup
1031 exchange-compatible on all non-owner occupied programs, including DSCR. LLC vesting accommodates the structure 1031s typically require, where the same entity that sold the relinquished property must take title to the replacement.
Property Types Most Lenders Avoid
Non-warrantable condos, condotels, and short-term rentals are all eligible. We work with appraisers experienced in STR valuations and have specific guidelines for non-warrantable buildings rather than a blanket decline.
24-Hour Upfront Review
We provide a thorough upfront income and credit review, usually within 24 hours of submission. Conditional approval typically follows within 48 to 72 hours of disclosure. No full file required to get started.
INVESTMENT LINEUP VS. CONVENTIONAL
Where Our Investment Programs Win
| Feature | Conventional/Fannie | LendSure |
| Portfolio cap | Limits on financed properties | No cap |
| Net rental losses | Added to monthly debt | Deducted from income |
| Multiple loans, one closing | No | Yes |
| LLC and trust vesting | Limited | Yes |
| Non-warrantable condos | Rarely | Yes |
| Condotels and STRs | Rarely | Yes |
| DSCR (no personal income) | No | Yes, 1.0x ratio |
| Cryptocurrency reserves | No | Yes |
| Max loan amount | Agency limits | $3,000,000 |
| 1031 exchange-compatible | Limited | Yes, including DSCR |
Have an Investor Borrower? Let’s Look at the File.
Have a Question? We Have the Answers.
Can a first-time investor use the DSCR program?
Yes. First-time investors can qualify on the DSCR program, though LTV will be more conservative than for experienced investors. The scenario is worth submitting. We evaluate each deal on its own merits.
How are gross rents determined for DSCR?
On a purchase, we use the rent survey from the appraisal or the operating statement on multifamily properties. When actual rents are higher than the appraiser’s market estimate, those higher rents can be used with lease agreements and two months of payment receipts to support them.
Is Airbnb income acceptable for DSCR?
Yes. Annual Airbnb statements are accepted for DSCR qualifying. Before structuring a loan around short-term rental income, confirm the property’s municipality and HOA permit short-term rentals. Restrictions vary by area.
Can the loan close in an LLC?
Yes. We accommodate LLC and trust vesting, which is particularly important for investors executing 1031 exchanges where the replacement property must be vested in the same entity that sold the relinquished one.
Can the rate be bought down without reducing cash reserves?
Yes. Discount points used to buy down the rate can be financed into the loan amount through our stacking feature, available on all programs. The borrower gets a lower rate without depleting liquid assets.
Is there a limit on how many properties an investor can own?
No. There is no cap on the number of properties a borrower can own. We can finance up to 10 loans for a single investor, and multiple loans can close simultaneously.
What happens if the DSCR ratio falls below 1.0x?
A ratio below 1.0x makes the loan more challenging but does not automatically disqualify it. Reach out to your Account Executive to walk through the specifics of the scenario.
How quickly can a file be reviewed?
Our team provides a thorough upfront income and credit review within 24 hours. No full file required to get started. Conditional approval typically follows within 48 to 72 hours of disclosure.
Have a Scenario? Let’s Look at It.
Click here to submit your loan scenario or call us today at (888) 707-7811.
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