Our lending division specializes in financing for real estate investors. Whether you are purchasing your first rental, scaling a portfolio, or flipping a property, we connect you with loan programs tailored to your strategy and timeline.
Loan Programs
Conventional Loans
Traditional 30-year and 15-year fixed-rate financing for investment properties. Competitive rates for borrowers with strong credit, stable income, and 20-25% down payment. Ideal for long-term buy-and-hold investors.
Hard Money Loans
Asset-based, short-term financing for fix-and-flip projects, bridge loans, and time-sensitive acquisitions. Close in as few as 7-10 days. Approval based primarily on property value and exit strategy, not personal income.
DSCR Loans
Debt Service Coverage Ratio loans qualify based on the property's rental income, not your personal income or tax returns. Perfect for self-employed investors, LLC-held properties, and scaling portfolios without hitting conventional loan limits.
Commercial Loans
Financing for 5+ unit multifamily, mixed-use, and commercial investment properties. Portfolio loans, agency (Fannie/Freddie), and private capital options available. Structured for experienced investors and larger transactions.
Why Finance Through AIRG?
- Investor-focused underwriting — We speak your language and understand rental property financials.
- Speed to close — Hard money in 7-10 days, conventional in 21-30 days.
- Integrated model — Finance through us, then hand off to our management division for a seamless transition.
- Relationship-based — Repeat borrowers receive priority processing and preferred terms.
- Portfolio analysis — We help you determine the right financing structure for your overall investment strategy.
Loan Program Comparison
| Feature | Conventional | Hard Money | DSCR | Commercial |
|---|---|---|---|---|
| Min Credit Score | 680+ | 600+ | 660+ | 660+ |
| Down Payment | 20-25% | 15-30% | 20-25% | 25-30% |
| Closing Speed | 30-45 days | 7-14 days | 21-30 days | 30-60 days |
| Max LTV | 80% | 70-85% | 75-80% | 75% |
| Typical Rate | 7-8% | 10-14% | 7.5-9% | 7-9% |
| Best For | Buy & Hold | Fix & Flip | Portfolio Scale | Multifamily |
How It Works
Apply
Complete our simple pre-qualification form. No hard credit pull for initial consultation.
Get Matched
We match you with the best loan program based on your investment strategy, timeline, and financials.
Close Fast
Our lending partners close quickly — as fast as 7 days on hard money, 21 days on DSCR.
Get Pre-Qualified in 24 Hours
Fill out the form below and we will match you with the right loan program for your next investment.
Talk to Gary Directly
Gary personally reviews every loan scenario to find the best program for your investment strategy. No obligation.
(916) 548-0951 · gary@allinclusiverealtygroup.com