Property investors have to move fast. They’re scanning for opportunities, have their sights on multiple properties, and are counting on you to deliver financing that matches their strategy. The more loan options you have in your toolkit, the more valuable you become as their long-term partner.

With investment property financing, you can help clients buy, build, or renovate properties, and position yourself as the broker who knows how to make deals happen.

The Importance of Investment Property Financing

Unlike traditional mortgages, which focus on primary residences, investment property financing is designed for income-producing real estate. That could mean long-term rentals, short-term vacation homes, multi-unit properties, condotels, or fix-and-flip projects.

The key difference? Qualification isn’t locked to W-2s and tax returns alone. Depending on the program, it can lean on rental income, property cash flow, or alternative income documentation. That gives you more flexibility to get deals done and more ways to support ambitious investor goals.

Let’s break down the major programs that fall under the investment property financing umbrella, and how each one can help you grow your business.

Fix and Flip Loans

The fix-and-flip market is still active, and investors need investment property financing that makes it possible to buy, renovate, and resell quickly.

With LendSure’s Fix and Flip loan program, your clients can get:

• Up to 90% of the purchase cost and up to 100% of construction costs, depending on experience.
• A 12-month interest-only term designed to maximize cash flow during renovations.
• Fast decisions and term sheets in hours, not days.

For you, that speed translates into deals that close quickly, repeat borrowers who come back for every project, and the ability to serve both first-time flippers and seasoned pros.

DSCR (Investor Cash Flow) Loans

Debt Service Coverage Ratio (DSCR) loans are one of the most popular forms of investment property financing because they qualify borrowers based on property cash flow rather than personal income.

Here’s what brokers love about them:

• No tax returns or W-2s required.
• Close multiple loans for the same investor simultaneously.
• Unlimited financed properties, with up to 10 loans per investor.
• DSCR ratios as low as 1.0x.
• Loan amounts up to $3M for 1-4 units and up to $2M for 5-10 units.

This program is ideal for investors who own multiple properties, self-employed borrowers, or clients with complex financials. It simplifies the process and keeps the focus where it belongs, on the property itself.

Bank Statement Loans

Not every investor’s income shows up neatly on a W-2. For self-employed borrowers, business owners, and gig-economy earners, bank statement loans are an essential option.

LendSure’s Bank Statement loan program makes it easier to qualify with:

• 12- or 24-month personal or business bank statements.
• Loan amounts up to $3.5 million.
• LTVs up to 90%.
• Expense ratios as low as 10%.

By having this program in your pocket, you can serve high-earning clients who may not qualify under traditional guidelines but still have the financial strength to invest.

Foreign National Loans

Real estate is a global investment strategy, and foreign nationals are a growing segment of the U.S. market. With investment property financing designed for them, you can expand your reach and tap into international opportunities.

Our Foreign National loan program highlights include:

• Financing available for 1-4 unit investment properties.
• No U.S. credit history or tax returns required.
• Income verification letters or DSCR qualification accepted.
• LTVs up to 75% for purchases.

This allows you to serve global investors who see U.S. real estate as a safe, profitable market, and who need a broker who understands the challenges they face.

Ground-Up Construction Loans

For experienced builders, ground-up projects are where serious value is created. Having investment property financing that covers both land acquisition and construction gives you a way to support clients taking on bigger deals.

LendSure’s Ground-Up Construction loan program includes:

• 12- and 18-month interest-only terms.
• Financing up to 60% of the lot cost and 85% of construction costs.
• Flexible options for spec builds or build-to-rent strategies.
• The ability to delay the first payment for up to five months, improving cash flow during the build.

This is a program that’ll keep investors coming back for future builds.

Core Investor Transactions

At the foundation of investment property financing are purchases, cash-out refinances, and rate & term refinances. These are the moves investors rely on to acquire properties, unlock equity, or improve cash flow. When you can pair them with the right program, like DSCR, Bank Statement, or Fix and Flip, they become strategies that keep clients growing.

Investment Property Financing: Broker Advantage

When you bring all of these investment property financing solutions together, you can:

• Stand out in a competitive market by offering options others don’t.
• Build repeat business, since investors rarely stop at one property.
• Diversify your pipeline with clients who buy in all market cycles.
• Strengthen your reputation as the broker who makes growth possible.

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.