It’s no secret – more and more buyers are looking for savvy investment opportunities in 2025. As the market continues to fluctuate, investors want to lock down and secure a more permanent stream of cash flow. And with the demand for rental properties on the rise, these investors can capitalize on the potential for long-term passive income and build wealth over time. But first, they need fast and flexible loan solutions.
That’s where you come in.
As a loan officer, it’s crucial for you to equip yourself with the right tools and resources to serve this growing market. While they may all be investors, not all investors are alike. In fact, they can fall on opposite ends of the borrower spectrum. That means you may encounter investors who are strong candidates for traditional financing (think high credit scores), but you may also come across non-bankable clients (think freelancers, contractors, etc.) who may not fit the traditional financing bill.
With an alternative lender like LendSure Mortgage Corp. (LendSure) on your side, you can tap into a wide range of mortgage solutions that work for every type of client that comes across your desk. Our goal is not only to help you secure fast financing but also to support the growth of your mortgage business.
Here are a few ways LendSure can help you maximize real estate investment opportunities for your client base:
- Full Doc Program
Working with clients who want to secure the competitive rates, but still want to take advantage of flexible guidelines they wouldn’t find at a bank? An option is our Full Doc Loan Program! This mortgage solution requires borrowers to submit a comprehensive list of documentation to qualify for financing.
Depending on their work status (employed or self-employed), they will either have to submit W2s along with recent pay stubs or a combination of 1040s with business tax returns or 1099s. Since borrowers are providing a more in-depth look at their finances, they can take advantage of lower rates. This loan program is ideal for creditworthy homebuyers with high credit scores and a strong financial history.
- Bank Statement Program
Another borrower profile you may come across is self-employed individuals. These clients require a dash more flexibility to help meet their funding needs. Through our Bank Statement Program, we analyze borrowers’ actual monthly income and qualify them based on those tangible numbers.
While banks typically require tax returns, W-2s, and pay stubs, we understand that these documents don’t always reflect the full financial picture of your clients. Through our Bank Statement Program, we can fully analyze what borrowers are generating monthly and qualify them based on those tangible numbers. These individuals are often small-business owners or self-employed (think freelancers, realtors, contractors, or even gig workers), and now more than ever, they’re taking over the workforce, so it’s crucial to have a solution in place for this segment of your mortgage business.
- DSCR Program
If you’re working with investors who are building their investment portfolios, a strong option is our Debt Service Coverage Ratio(DSCR) Program. Made for investors who want to finance single-family/2-4 unit and 5-8 unit properties, this mortgage solution allows your clients to forgo submitting tax returns and other income docs.
Our process is simple: Instead of analyzing tax returns or other income docs, we perform a DSCR-based underwrite to examine the property’s cash flow. By measuring the property’s cash flow, we can determine whether or not the property can generate sufficient income to cover loan payments.
The formula is as follows:
Fix and Flip Loan Program
With rising interest rates and increased demand for affordable housing, many investors are turning to Fix & Flip opportunities. These borrowers need fast and flexible financing to close deals efficiently. LendSure’s Fix & Flip Program offers short-term, high-interest financing options for your clients who specialize in purchasing, renovating, and selling investment properties – no matter their investor experience.
The best part? With higher LTVs and a faster approval process, your investor clients can expect quicker financing. Our team ensures you receive decisions and term sheets in hours, not days.
- Foreign National Loan Program
Another major opportunity for mortgage pros is tapping into the international market. Many international buyers and foreign investors are looking into financing properties in the United States. The problem is that they can’t always secure traditional financing due to their international status and not being able to provide the proper documentation (think credit scores and U.S. tax returns).
Through our Foreign National Loan Program, you can offer your clients an alternative path to financing that includes fewer docs (no tax returns) and alternative docs (foreign credit reports), allowing them to purchase a vacation home in the States or simply add to their portfolio with a second investment property.
Closing with LendSure
Many borrowers believe that securing a loan is a tedious process, but it doesn’t have to be! At LendSure, we’re ensuring you and your clients have a smooth transaction process – from submission to closing. With these investment property loan programs, you can feel confident you’re offering borrowers fast and flexible financing – no matter where they fall on the borrower spectrum.
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 commonsense approach to lending? Contact us today to learn more about non-QM loans and how partnering with LendSure Mortgage Corp. can help grow your bottom line.
