Investors are moving fast and looking for creative ways to compete. To stay ahead, brokers need loan solutions that can move just as quickly. That’s why LendSure offers a full suite of investment property loans designed to help brokers like you close more deals and serve a wider range of clients.
Whether your borrower is self-employed, investing from overseas, flipping a property, or building from the ground up, our flexible loan options give you the tools to say “yes” when others say “no.”
Investor Activity in 2024–2025: National & Regional Trends
According to Realtor.com’s June 2025 investor report, investor behavior is shifting in measurable ways.
National Trends:
- Investors bought 13% of homes in 2024, slightly up from 2023, though still below the 2022 peak of 13.3%.
- A record 10.8% of homes sold in 2024 were sold by investors, the highest share ever recorded.
- Small investors (rather than large institutional players) are now the majority of investor purchases.
- Investors are relying more on financing. All-cash investor sales fell to their lowest share since 2008.
Regional Standouts:
- Top buying states: Missouri (21.2%), Oklahoma (18.7%), Kansas (18.4%)
- Top selling states: Oklahoma (16.7%), Missouri (16.7%), Georgia (15.9%)
- Net-positive investor impact: Miami, Pittsburgh, and NYC saw more investor demand than supply.
- Net-negative impact: Sacramento, Minneapolis, and Portland saw more investor selling than buying.
Bottom line? There’s still strong investor demand, but with cash purchases falling and traditional loans often out of reach, brokers need flexible investment property loan solutions to help clients act fast.
Flexible Investment Property Loan Solutions from LendSure
DSCR Loans
When investors care about property performance (not tax returns), DSCR loans are an investment property loan that offers a clean, reliable way to qualify. LendSure’s DSCR loan program uses rental income from the subject property to qualify, with no personal income documentation required.
This program is ideal for clients looking to scale their portfolio quickly without W-2s, pay stubs, or employment verifications getting in the way. Brokers can close multiple investment property loans for a single borrower simultaneously with this program, making it a strong option for serial investors.
Program Highlights:
- Up to 10 properties financed per investor
- 40-year term with 10-year interest-only available
- Non-warrantable condos and condotels allowed (up to 75% LTV)
- Cash-out options up to $500,000
- Up to 85% LTV for SFR, 80% LTV for 2-4 units, 75% for 5-10 units
- Minimum FICO: 660 (1-4 units), 700 (5-10 units)
- No DSCR ratio required up to 65% LTV with 740+ credit score
- Minimum DSCR ratio of 1.0 (ratio under 1.0 requires management approval)
Fix and Flip Loans
Speed and flexibility are everything in the fix-and-flip world. With LendSure’s Fix and Flip loan program, brokers can support clients at any experience level, from first-timers to full-time flippers, without long delays or complicated overlays.
The process is streamlined from application to funding, with staged disbursements tied to construction milestones and term sheets typically issued within hours (not days).
Program Highlights:
- Up to 90% of purchase cost and 100% of construction (based on experience)
- Max loan amount up to 90% of total project cost
- Max ARV LTV: 70%
- 12-month interest-only term
- Fast decisions and flexible draw process
- Property types: SFRs, 1-4 unit multifamily, condos, townhomes, and PUDs
- Credit scores as low as 660 accepted
Foreign National Loans
International buyers are an important and often underserved segment of the investment property loan market. LendSure’s Foreign National loan program is designed to make qualifying easier, using flexible documentation from the borrower’s home country.
Whether your client is purchasing a second home or financing a rental, you can offer a streamlined process with fewer barriers to entry using this investment property loan.
Program Highlights:
- Available for investment properties and second homes
- LTVs up to 75% for purchases, 65% for cash-out
- Income letter from employer or CPA accepted, or qualify with DSCR
- Foreign credit reports accepted
- No tax returns required
- Cash-out up to $500,000 (may count toward reserves if LTV ≤ 60%)
- Visa flexibility and common-sense underwriting
Bank Statement Loans
For self-employed investors, traditional income documentation can be a major obstacle. That’s where LendSure’s Bank Statement loan program gives brokers a real edge.
Instead of tax returns, borrowers qualify using 12 or 24 months of business or personal bank statements. This makes it easier to serve high-performing clients who write off expenses or structure income differently, but are still strong borrowers.
Program Highlights:
- Loan amounts up to $2,000,000 for investment properties
- Up to 80% LTV for purchases
- No P&L required
- Business or personal bank statements accepted
- Borrower doesn’t need to own 100% of the business
- Expense ratios as low as 10%
- W-2 + bank statement combo options available
- Common-sense pre-qualifications typically available within 24 hours
Ground-Up Construction Loans
If you’re working with experienced builders, you know how valuable it is to have a lending partner who understands construction timelines and cash flow needs. LendSure’s Ground-Up Construction loans are designed to finance the full build, from lot purchase to vertical construction, without requiring income documentation.
That means faster closings, smoother draws, and more repeat business from builder clients who value speed and flexibility.
Program Highlights:
- Available for spec builds and build-to-rent projects
- Loan amounts up to 60% of lot cost and 82.5% of construction cost
- 12- or 18-month interest-only terms
- Option to delay first borrower payment by up to five months
- No income docs required (LendSure may review recent trends)
- Flexible underwriting based on builder experience and assets
- Fast pre-qualifications from knowledgeable in-house team
Partner With LendSure
At LendSure, we help brokers close more investment property loans with:
- Fast pre-qualifications and term sheets
- Flexible guidelines across all of our Non-QM loan programs
- Common-sense approvals that help you win the deal
- A dedicated team that works like an extension of yours
When every minute counts, LendSure gives you the confidence to compete, the products to deliver, and the support to grow your business.
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 our investment property loans and how partnering with LendSure Mortgage Corp. can help grow your bottom line.
