Whether you’re buying your first rental, scaling to a dozen doors, or financing a commercial property for your business, off-the-shelf bank lending rarely keeps up. We structure investor and commercial financing across 100+ lenders — with approvals up to $2.5M — so your next acquisition isn’t held back by red tape.
Income properties are underwritten differently than a home you live in, and the details matter: down payment requirements, how rental income is counted, and how each property affects your ability to buy the next one. We know which lenders are friendliest to landlords — and how to keep your borrowing power open as you grow.
First-time investors buying their first rental
Experienced landlords scaling a portfolio
Business owners purchasing or refinancing commercial premises
BRRRR and renovation-focused investors needing flexible, fast capital
Imagine $60,000 spread across credit cards and a line of credit at an average 22% interest. The minimum payments alone can run well over $1,500 a month — and most of it never touches the principal. Folded into a refinance at a typical mortgage rate, that same balance can cost a few hundred dollars a month instead, freeing up cash flow immediately.
Replace your current mortgage with a new, larger one (up to 80% of your home’s value) and use the difference to clear your debts.
Flexible, revolving access to your equity — pay down and re-borrow as needed.
Keep your great first-mortgage rate untouched and add a separate loan against your equity — useful when breaking your current term isn’t worth it.
Buying the building your business operates from, refinancing commercial space, or financing a mixed-use property? Commercial lending runs on different rules — lenders weigh the property’s income, your business performance, and the asset itself. We package your file to present all three at their strongest.
Through a refinance you can typically access up to 80% of your home’s appraised value, less your current mortgage balance.
Most clients see their credit improve over time, because high-interest balances are paid off and replaced with one manageable, on-time payment.
Often, yes. With enough home equity, we have lenders who focus on the equity and your repayment plan rather than the score alone.
