Loan programs
Real Estate Investor Loan Programs
Every loan we make is for investment property: business-purpose, non-owner-occupied, to an LLC or corporation. Pick the program that matches your deal — or send it over and we'll tell you which one fits.
Lending standards
The numbers, upfront.
These are our program standards. Points and fees vary by deal, but the leverage, loan sizes, and structure below don't.
Fix & Flip
DSCR Rental
Ground-Up Construction
Stabilized Bridge
Rental Portfolio
Business-purpose, non-owner-occupied only; entity borrowers (LLC or corporation) required; full recourse. Rates shown are the lowest offered and depend on borrower FICO, experience, and the deal. Points and fees vary. *Stabilized Bridge offers a no-DSCR option for properties listed for sale and a 1.10x exit-DSCR option for rent-ready properties. Not available in every state. Nothing here is a commitment to lend or an offer of specific terms; all loans subject to underwriting and approval.
Which loan fits your deal?
Start with what you're doing with the property.
Buying, fixing, and selling
Purchase plus rehab in one short-term loan. No experience required.
Fix & flip loans →Buying or refinancing a rental
A 30-year loan qualified on the property's rent, not your tax returns.
DSCR rental loans →Buy, rehab, rent, refinance
Flip money on the way in, a DSCR refinance on the way out.
BRRRR financing →Need time, not a rehab budget
Short-term money on rented, rent-ready, or listed property.
Bridge loans →Building from the dirt up
Land and vertical build for investors and builders with a track record.
Ground-up construction →Several rentals, one loan
One payment and one closing across your 1–4 unit rentals.
Rental portfolio loans →Five units or more
Bigger deals get our personal attention — send it and we'll take it from there.
Small multifamily & 5+ →Not a property deal
Working capital, lines of credit, equipment financing, and more for your business.
Business funding →What every program has in common
The leverage and loan sizes change from program to program. The ground rules don't:
- Investment property only. Business-purpose, non-owner-occupied. No primary residences.
- Entity borrowers. You borrow through an LLC or corporation, with a personal guarantee. Loans are full recourse.
- First lien position. No seconds or gap funding stacked on top.
- Real equity and reserves. 100% financing requests are a non-starter.
- Every fee in writing, upfront. You'll see all points and fees and sign off before anything moves forward.
Not sure your deal fits? That's what we're here for. If it fits our lending box, we fund it. If it doesn't, we'll place it with a lender in our network who wants exactly that deal. See how it works and where we lend.
Got a deal? Get a straight answer.
Apply through our lending portal if you're ready to move, or send us the deal first and we'll tell you what's possible.
Prefer email? Reach us at mark@moosesmoney.com