DSCR Rental Loans from 6.125%*See If You Qualify →
Open 24/7, 365 Days/Yr | Call Us: (877) 298-1001 NOTE: For a FASTER Response, please Inquire Using Form
Investment Property Only · Not Primary Residence
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Investment Property Financing

Get $150K to $20M+ in 2 Weeks

America's Top Rated Investment Property Financing Company

30+ Private Money Capital Sources
Bridge, DSCR, Fix & Flip, Construction
Real Estate Investors in 50 States
Fix-and-Flip (100% Rehab Financing)
Long-Term Rental (30-Year Term Available)
No Impact to Credit Score

See If You Qualify

Investment Property Only • No Impact to Credit Score

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Property Details
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Step 1 of 3 — Loan Details

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Investment Property Only • 620+ FICO • $150K+ Loans
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By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.

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Investment Property Financing · NMLS #1734316

What are you financing?

One application across 30+ capital sources. Business-purpose loans for real estate investors in all 50 states.

DSCR Rental Loans
Buy-and-hold and BRRRR exits
Close 21–30 days · from $150K, no max · 620+ FICO · qualify on rent, not W-2
Get quote →
Fix & Flip Loans
Rehab and resell
Close in as little as 10 days · up to 90% of total cost · 100% of rehab funded
Get quote →
MOST REQUESTED
No-Appraisal Bridge
When the deal cannot wait
Close in 5–10 days · no appraisal on qualifying deals · exit to DSCR or sale
Check scenario →
Bridge Loans
Fast close, equity pull
Short-term, business purpose · underwritten on the property and your exit
Get quote →
Ground-Up Construction
Spec build and build-to-rent
Loan-to-cost based · funds released in draws · interest on drawn balance
Get quote →
Commercial / Mixed-Use
Mixed-use and 5+ units
Custom terms to $5M+ · multifamily and commercial scenarios
Check scenario →
Blanket Portfolio
5+ properties, one loan
Portfolio pricing · cross-collateral options · consolidate financing
Compare options →
Gap Funding
Short-term shortfall
Bridges the gap to permanent financing on an active deal
Check scenario →

Not sure which fits your deal? Tell us the scenario and we will match it.

Get My Options →
Investment Property Lending — Quick Facts

WHAT LENDINGSTREET DOES

50
States Served

LendingStreet originates investment property loans in 50 states for real estate investors only.

30+
Capital Sources

Direct relationships with 30+ specialty lenders, banks, and private capital sources — providing more financing options than a single-source lender.

5-21
Days to Close

Bridge loans close in 5-10 days. DSCR loans close in 14-21 days. Construction loans close in 21-30 days. Standard timeline for investor-focused capital.

$5M+
Max Loan Size

Loan amounts from $150K to $5M+. Commercial financing extends to $20M. Single-property, blanket portfolio, and multifamily structures all available.

Who LendingStreet Serves

LendingStreet (NMLS #1734316, JRS Home Loans LLC d/b/a LendingStreet) provides investment property financing for real estate investors — including DSCR rental loans, fix-and-flip, bridge, ground-up construction, and commercial real estate loans. The firm specializes in investors whose deals fall outside major direct-lender programs: 5+ unit multifamily, mixed-use, commercial properties, rural assets, and borrowers requiring no-ratio DSCR underwriting. With direct access to 30+ capital sources, LendingStreet can finance deals that single-source lenders decline.

TL;DR Quick answer for real estate investors

Investment Property Lending LendingStreet originates loans for real estate investors across 50 states. Products include DSCR rental, fix & flip, bridge, ground-up construction, commercial, and multifamily — all qualifying based on the property's income, not your W-2. 30+ capital sources mean deals that fall outside one lender's box can be placed elsewhere.

LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.

Our Loan Products
Tailored Financing for Every
Investment Strategy

Funding from $150K to $20M+ across 30+ capital sources. Fix & Flip, DSCR, Bridge, STR, Construction, and Commercial.

🔨
Fix & Flip
Fund renovation projects with excellent leverage. Close in as few as 5 business days.
Term6–24 Months
Amounts$150K–$5M+
Max LTCUp to 95%
RehabUp to 100%
Learn More →
🏘️
DSCR Rental
Qualify on rental income only — not your W-2 or tax returns. Up to 20 properties per loan.
Term30-Year Fixed
Amounts$150K – $3.5M
Max LTVUp to 80%
Min DSCRAs Low as 0.75
Learn More →
🌉
Bridge Loan
Quickly fund completed or transitional projects. No DSCR requirement. No prepayment penalty.
Term6–24 Months
Amounts$150K–$5M+
Max LTVUp to 80%
PrepayNone
Learn More →
🏖️
Short-Term Rental
Finance Airbnb, VRBO, and vacation rentals. AirDNA income accepted. No personal income docs.
Term30-Year Available
Amounts$150K – $3.5M
Income DocsNot Required
AirDNAAccepted
Learn More →
🏗️
Ground-Up Construction
Finance ground-up or mid-construction projects with fast draws and experienced lender support.
Term12–30 Months
Amounts$250K–$5M+
Max LTCUp to 90%
LTARVUp to 75%
Learn More →
🏢
Commercial
Bridge and permanent financing for multifamily, mixed-use, retail, and industrial properties.
TermBridge or Perm
Amounts$500K–$20M
Max LTVUp to 75%
Close Time14–30 Days
Learn More →
$4,360,500,920
Dollars Funded
8,196
Real Estate Loans Closed
99.2%
Client Satisfaction Rate
Where Are You in Your Investing?
Financing Built Around Your Experience

Whether it is your first property or your fiftieth, we match the deal to the capital source whose program fits it.

0–1 Deals

First Investment Property

Buying your first rental or first flip. We walk you through how the loan is sized and what you need at closing before you make an offer.

  • DSCR loans qualify on the property’s rent, not your W-2
  • Fix & flip with up to 100% of rehab financed
  • 620+ credit, LLC borrowers welcome
2–10 Properties

Growing Investor

Doing repeat flips or building a rental portfolio with BRRRR. Speed and the refinance exit matter most at this stage.

  • Flip and bridge closings in 5–10 days
  • Cash-out refinance to pull equity for the next deal
  • Fix-to-rent: rehab loan with the DSCR takeout planned up front
5+ Properties

Portfolio & Commercial

Consolidating rentals, scaling into multifamily or mixed-use, or financing larger projects across multiple states.

  • Blanket loans for 5+ properties under one note
  • 5+ unit multifamily and mixed-use, NOI based
  • DSCR loans from $150K with no maximum
Why LendingStreet
Why Choose Real Estate Investment
Loans with LendingStreet
🌐

30+ Capital Sources, Not One

Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet works your deal across 30+ capital partners to find the program with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.

🎯

Investment Property Specialists

We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.

⚡

Speed Where It Matters

Bridge loans in 5–10 days. Fix & Flip in 5–10 days. DSCR in 14–21 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.

🏆

Proven Track Record

10 years serving investors. $4.36B funded across 8,196 closed deals in 50 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.

🏛️
Proud Member
American Association of Private Lenders (AAPL)
Process
Apply for a Real Estate Loan
in 3 Easy Steps
1

Inquire for Free

Fill out our online form with basic information. Know your approval status within 48 hours. No hard credit pull required.

2

Upload Documents

Use our secure online platform to submit your details and documents. Simple, fast, and completely paperless.

3

Get Funded Fast

Finalize loan terms with clarity on rates and fees. Swift fund disbursement directly to you — as fast as 5 business days.

Free Deal Estimate
What Could Your Flip Loan Look Like?

Enter three numbers to see how much you could borrow. Then unlock your rate, fees and cash to close with a quick, free review of the deal.

$
$
$

Estimate assumes up to 90% of purchase price and 100% of rehab, capped at 75% of ARV. Actual leverage depends on experience, credit, property and capital source. Not a commitment to lend. Need a full breakdown? Try the deal analyzer.

Estimated loan amount
Up to $330K
Limited by 75% of ARV
Purchase price financedUp to 90%
Rehab financedUp to 100%
🔒 Unlock with a free review
Your interest rate●●.●●%
Points & fees$●●,●●●
Cash to close$●●,●●●
Monthly interest payment$●,●●●
Get My Rate & Cash to Close →
Takes about 60 seconds · No impact to your credit score
Fix-to-Rent
Flip It, Then Keep It

Planning to rent the property after the rehab? We line up the long-term DSCR refinance before your rehab loan closes, so the exit is underwritten from day one.

1

Buy & renovate

Fix & flip or bridge financing covers the purchase and up to 100% of the rehab, with draws as work is completed.

2

Rent it out

Once the property is leased, the rent becomes the basis for the long-term loan. No W-2 or tax returns required.

3

Refinance to 30-year DSCR

Pay off the short-term loan with a DSCR loan from 6.125%*. Some capital sources refinance at the new appraised value without a long seasoning wait.

How fix-to-rent worksPlan My Fix-to-Rent →

Who We Work With
Is LendingStreet the Right Fit?

A strong fit

  • Investors buying or refinancing rentals, qualified on the property’s rent (DSCR), from $150K with no maximum
  • Flippers who need purchase and rehab in one loan, closing in 5–10 days
  • Bridge, ground-up construction, 5+ unit multifamily, mixed-use and portfolios of 5+ properties
  • Self-employed borrowers, LLCs and out-of-state investors
  • Deals another lender declined — we present one file to the sources whose programs fit it

Not a fit

  • Primary residences or second homes you will live in — we finance investment property only
  • Personal, family or household-purpose loans
  • Loans under $150,000
  • Anyone looking for a guaranteed approval or a quoted rate before we see the deal — the capital source sets terms after review
Investor Reviews
Real Results from Real Investors
★★★★★

"Closed my fix and flip in Brooklyn in 7 days. Three term sheets within 24 hours of submitting. Nothing else comes close."

Marcus T.
Fix & Flip Investor · New York, NY
★★★★★

"14 rentals, self-employed, no W-2. LendingStreet got me a DSCR loan at a rate my bank couldn't match. Seamless from start to finish."

Diana R.
Portfolio Landlord · Miami, FL
★★★★★

"My Airbnb in Scottsdale qualifies on AirDNA income alone. Nobody else would touch it. LendingStreet closed in 22 days. Outstanding team."

Kevin L.
STR Investor · Scottsdale, AZ

Ready to Move Your Real Estate Project Forward?

See how much you qualify for. Free, no credit impact, takes 30 seconds.

Inquire for Free →
How we compare

LendingStreet vs The Other Lenders

We match your deal to the program with the right credit box — for every investor scenario, not just the standard ones.

Lender Capital Access Min DSCR Bridge/F&F Close Best For
YOU’RE HERE LendingStreet 30+ capital sources 0.75 (via specialty) 5–10 days Creative structuring + 30+ capital sources matched to your situation and goals
Kiavi Single capital source 1.0 7–10 days Single capital source
LendingOne Single capital source 1.0 10–21 days Single capital source
Lima One Single capital source 1.0 10–15 days Single capital source
Most lenders price your deal off one rate sheet. We run your scenario across multiple capital sources and bring back the best 2–3 quotes — typically inside 48 hours.
See all 8 comparisons →
As Featured In
Yahoo Finance NMLS #1734316 →
"LendingStreet surpasses 30 capital sources" — Yahoo Finance, May 2026
LendingStreet at a Glance

LendingStreet (legal entity JRS Home Loans LLC, NMLS #1734316) is a licensed investment property financing company with direct relationships across 30+ capital sources, lending in all 50 states. Products: DSCR rental loans ($150K+, 80% LTV purchase, 1.0x min DSCR), fix & flip and bridge (up to 90% LTC, 100% rehab, closings in 5–10 days), ground-up construction, commercial and mixed-use, small multifamily (5–20 units), blanket portfolio (5+ properties), STR/Airbnb DSCR on projected revenue, and gap funding. Loan range $150K–$20M+. Phone: (877) 298-1001. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, PeerStreet, or LendingStreet India.

* Starting rates shown are for qualified borrowers and are not a quote or commitment to lend. Your rate depends on credit, experience, leverage, property type, loan amount, DSCR and the capital source’s program at the time of review, and may be higher. Rates subject to change without notice. Last reviewed October 2026 · Starting rates shown · Subject to change. Business-purpose investment property loans only; not available for owner-occupied properties. JRS Home Loans LLC d/b/a LendingStreet, NMLS #1734316.