What is a Rental Property Loan?

A Rental Property Loan is a long-term loan designed for 1-4 unit rental properties, offering options for 30-year fixed rates and interest-only payments.

How do Bridge Loans work for real estate investors?

Bridge Loans provide short-term financing, typically for 12-24 months, ideal for quick property acquisitions or refinancing needs.

What’s the maximum Loan-to-Value (LTV) for Commercial Loans?

Our Commercial Loans offer up to 90% LTV for property purchases and up to 75% LTV for cash-out refinances.

Do you offer financing for investors with low credit scores?

Yes, our 50% LTV Loans have no minimum credit score requirement, making them accessible for borrowers with unique credit histories.

Is income verification required for private lending?

No, we offer no-doc financing with no income or employment verification required, streamlining the application process for investors.

No-Doc Rental Loans: Fast, Flexible Financing for Real Estate Investors Nationwide

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CONTACT US

A Lending Partner Committed to Your Future.

At our core, we’re not just here to fund a single deal—we’re here to support your long-term growth as a real estate investor. Think of us as a dedicated partner who understands your goals, helps you navigate challenges, and provides flexible, straightforward financing options when you need them. Whether you’re scaling your rental portfolio or branching out into commercial properties, we’re committed to streamlining the lending process so you can focus on what truly matters: building your wealth and achieving your vision

Same Day Approvals

All Credit Accepted

From Application to Closing in 13 Days

Loan Programs.

Investment Property Loans:

Expand your rental portfolio fast—no personal income verification, no DSCR required. Our Investment Property Loans for 1–4 unit properties offer quick closings, flexible terms, and competitive rates, making it easier than ever to add single-family homes, duplexes, triplexes, or fourplexes to your portfolio

Loan Amounts: $100,000 to $3,000,000
No Personal Income or DSCR Requirements—Approvals Based on Property Value
Fast Turnaround: Same-Day Approvals, Close in as Little as 13 Days
High Leverage: Up to 90% LTV on Purchases
Flexible Terms: Choose a 30-Year Fixed, Including Interest-Only Options

Multifamily and commercial property financing options for real estate investors - streamlined application process

Multifamily & Commercial
Loans:

Ready to scale up? Our Multifamily, Mixed-Use, and Commercial Loans cut out the complexity—no personal income verification needed. Purchase, refinance, or cash out with flexible terms and quick closings, making it simple to grow your portfolio with apartment buildings, mixed-use properties, or commercial assets

Loan Amounts: $150,000 to $5,000,000
No Personal Income Verification—Approval Based on Property Value
Same-Day Approvals, Close in as Little as 13 Days
Up to 30-Year Fixed Terms with Interest-Only Options (up to 10 Years)
Ideal for Self-Employed Investors and Small Business Owners
A Smarter Alternative to Traditional Hard Money Loans

Bridge loan financing for real estate investors rehabbing properties - fast, flexible funding.

Bridge Loans:

For Residential 1-4 Units, Townhomes, Condos, and PUDs

Loan Amounts: $100,000 to $3,000,000
No Income Verification Required
Same-Day Approvals
Close in as Little as 13 Days
High LTV Options Available
12 to 24-Month Interest-Only Terms

Loan officer finalizing a 50% LTV loan for real estate investors - easy qualification process

50% LTV Loans:

Let’s face it: if you have equity in your investment property and your credit’s a little less than perfect, you might worry about approval. With our 50% LTV loan, that’s not a problem. Here’s what makes this program stand out:

400 Credit Score? Approved.
Missed a few car payments? Approved.
Credit cards maxed out? Still Approved.
Lost your job recently? We’re here for it – Approved.
A few “oops” moments on the credit report? still Approved.

All kidding aside, if you own investment property with equity and you’re concerned about credit, this program is designed for you. Honestly, the only thing standing between you and this loan is hitting the Apply button—and you’ll be on your way to setting a closing date!

GET YOUR FREE QUOTE NOW

Creative 50% LTV Solution: A Real-World Example

We recently refinanced a warehouse in Georgia for a newly added corporate member who wasn’t on the original deed or mortgage. Despite a 500 credit score and a recent default on their primary residence, we provided a 50% LTV cash-out refinance of $1.3 million on their owner-occupied commercial property. With just one day seasoning of title, we closed the loan in 13 days

warehouse closing georgia 50% LTV 1.3M cash-out.jpeg

RECENT CLOSINGS

Single Family Home Purchase in Boca Raton, FL - $3.2M, No DSCR Requirement

Single Family | Boca Raton, Fl
$3.2M - Purchase
NO DSCR

Single Family Refinance in Ft Lauderdale, FL - $1.7M, No DSCR

Single Family | Ft Lauderdale, Fl
$1.7M - Refinance
NO DSCR

Construction Project in Boca Raton, FL - $1.2M Loan

Construction | Boca Raton, Fl
$1.2M

Condo Cash-Out in Destin, FL - $700,000, No DSCR

Condo | Destin, Fl
$700,000 - Cash-Out
No DSCR

Single Family Cash-Out in Indiana - $340,000, No DSCR

Single Family | Indiana
$340,000 -Cash-Out
No DSCR

Multifamily Cash-Out in New York - $925,000, No DSCR

Single Family | Atlanta, Ga
$340,000 - Purchase
NO DSCR

Multifamily | New York
$925,000 - Cash-Out
No DSCR

Single Family | Boca Raton, Fl
$3.2M - Purchase
NO DSCR

Single Family | Ft Lauderdale, Fl
$1.7M - Refinance
NO DSCR

Construction | Boca Raton, Fl
$1.2M

Condo | Destin, Fl
$700,000 - Cash-Out
No DSCR

Single Family | Indiana
$340,000 -Cash-Out
No DSCR

Client Testimonials

At Insource Funding, it's all about you and your success. We genuinely care about exceeding your expectations and celebrating your victories. While we do appreciate reviews, our real joy comes from witnessing your real estate dreams come true. Let's work together to achieve greatness and make your journey a remarkable one

Bruce Mcconnell

Our experience with Insource Funding was extremely positive. My company has a rental property we were looking to refinance and we were anxious to do so expeditiously to permit us to avail ourselves of another opportunity. Working with Insource was a pleasure thanks in large part to his competence and professional handling of the transaction

Tina Musenga

Jerry was our lender and I was so pleased how he got this deal done in just under a week! True professional and I will always refer him to my clients as well. I am also a Real Estate agent. Great Job Jerry your amazing!

Get Started
Today.

Fill out the contact form, and someone from our team will be in touch soon to chat about your goals and clear up any questions you have.

Hassle-Free Application: No income or employment verification needed.
Skip the Paperwork: Forget tax returns and bank statements; we focus on the asset.
Stable Financing: Secure a 30-year fixed rate loan with confidence.
Streamlined Process: Get the rental or commercial property loan faster than traditional methods.