Investors
Building your Opportunities
We work with investors who need fast, reliable financing to scale their portfolios. Whether you’re acquiring rental properties, completing cash-out refinances, or seeking DSCR or asset-based solutions, our team offers tailored programs with streamlined documentation and competitive terms. We move quickly—because great deals don’t wait.
DSCR Loans – Smart Financing for Real Estate Investors
DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors who want to qualify based on property cash flow—not personal income. Whether you’re building a portfolio or refinancing existing properties, DSCR loans offer a simplified, fast-track approval process that keeps you focused on growth.
No tax returns or W-2s required
Qualify based on rental income, not personal income
Loan amounts up to $5 million
Up to 80% LTV on purchases and rate-term refinances
Cash-out refinance options available
Available for short-term and long-term rentals
Close in as little as 10-15 days
Our streamlined DSCR programs are ideal for experienced and first-time investors alike—giving you the flexibility to act quickly in a competitive market.
Asset Utilization - INVESTOR
Use the capital you already have to build your investment portfolio with
LendingHouse’s help. If you’re flush with funds, we don’t need to verify your
employment history. This program is a real estate investor’s dream come true. To
qualify, we take a comprehensive analysis of your total assets, so you don’t have to
go through the hassle of providing your typical income documentation.
Lite Doc - INVESTOR
We understand that as a real estate investor some deals are time-sensitive and
paperwork can be hard to wrangle. With the Investor Lite Doc, the subject property
doesn’t need to be cash flow positive. We offer loan amounts up to $3 million for 1-4
units, condos, and PUD’s.
Program Details
Income Verification
Self-Employed 12-Month CPA/Accountant Prepared FEL
Salaried VOE of Current Income Only
No Tax Returns or W-2s Required Not a Bank Statement Program
Subject Property Does Not Need to Show Positive Cash Flow
Up to 50% DTI
Asset Verification
1-Month Bank Statement (covering at least 30 days)
100% gifts allowed for down payment, closing costs, and reserves
Construction-cut proceeds may be used towards reserves
Program Highlights
Purchase & Rate/Term Refinance up to 75% LTV
Cash-Out Refinance up to 70% LTV, unlimited cash-out funds
1–4 units, condos, co-ops, PUDs
Loan amounts up to $3,000,000
Minimum 600 FICO
5/6 ARM, 7/6 ARM, 15- or 30-year fixed
Interest-only option available on all loan terms except 15-year fixed
Corporations and LLCs accepted
First-time homebuyers eligible
Purchase with Rehab Loans
Highlights of this product include:
- SFR 1-4 Units; Multi-Family 5-29 Units. No mixed-use
- Loan Amounts: SFR 1-4 Units – up to $4 million; Multi-Family 5-29 Units – up to $7.5 million
- 12-month interest only (no pre-pay penalties)
- Non-TRID (enabling a faster close)
- Options for no interest on Rehab Draws until requested
- Timely processing of Rehab requests
- Heavy Rehab options available
- 100% Rehab financing available
- Up to 90% LTV, 80% ARV, and 90% LTC available
Mortgage Rate Options
Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-i…
Fixed Rate
The most common type of loan
option, the traditional fixed-rate
mortgage includes monthly
principal and interest payments
which never change during the
loan’s lifetime.
