FICO 600+
Flexible Credit
What Are Investor Loans?
Investor commercial loans are specifically designed for real estate investors who purchase properties to generate rental income, appreciation, or strategic portfolio growth. Whether you're expanding your portfolio, refinancing existing properties, or acquiring new investment opportunities, our investor financing solutions provide the capital and flexibility you need.
From single-tenant triple net leases to multi-family complexes, retail centers, industrial warehouses, and mixed-use developments—we finance the properties that build your investment empire.
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Multi-Family Properties
Finance 5+ unit residential buildings, apartment complexes, and multi-family developments for maximum income potential and appreciation.
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Retail & Commercial
Purchase or refinance retail centers, shopping centers, strip malls, and commercial buildings with established tenant bases and cash flow.
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Industrial & Logistics
Finance warehouses, distribution centers, industrial parks, and logistics facilities for long-term institutional investors and owner-operators.
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Portfolio Refinancing
Refinance multiple properties under one loan, consolidate debt, or extract equity for reinvestment and portfolio expansion.
Investment Loan Benefits
Build wealth with intelligent real estate financing:
💰 Investor-Focused Rates
- Competitive rates based on property performance
- Up to 90% LTV on investment properties
- Fixed-rate 30-year terms available
- Interest-only periods for cash flow optimization
- Debt service coverage ratios that work
- Portfolio-based underwriting
🎯 Investor Advantages
- Quick approval process for experienced investors
- Multiple property acquisitions per application
- Bridge financing options available
- Cash-out refinancing to fund new acquisitions
- Lite documentation options for qualified investors
- Flexible prepayment options
Investment Property Types We Finance
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Multi-family (5+ units) and apartment buildings
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Retail centers and shopping centers
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Office buildings and office parks
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Industrial warehouses and logistics facilities
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Hotels, motels, and hospitality properties
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Mobile home parks and RV parks
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Self-storage facilities and mini-storage
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Mixed-use developments and special purpose properties
Underwriting for Investors
We understand investor financing is different. Our underwriting focuses on property performance, not just personal credit:
What We Evaluate:
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Cash Flow: Debt service coverage ratio (DSCR) performance
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Portfolio: Overall investment portfolio strength
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Experience: Investment experience and track record
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Property: Property location, condition, and rental market
Program Specifications
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Loan Amounts: $150,000 to $17.5M+
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Minimum Credit: FICO 600+ (performance-based)
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LTV: Up to 90% on stabilized properties
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Terms: 30-year fixed, interest-only, or adjusted rate options
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DSCR: Minimum 1.0 or greater (lower accepted for experienced investors)
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Documentation: Full Doc & Lite Doc available
Getting Started with Investor Financing
1
Initial Discussion
Tell us about your investment strategy, portfolio, and the property you're targeting.
2
Pre-Qualification
We'll provide preliminary loan terms and structure based on your property and performance.
3
Formal Application
Submit loan application with property details, financial statements, and leases.
4
Property Analysis
We analyze the investment property, market dynamics, and income potential.
5
Appraisal & Underwriting
Professional appraisal and detailed underwriting of your investment thesis.
6
Approval & Closing
Loan approval with clear terms and quick close timeline.
Expand Your Investment Portfolio
Whether you're a seasoned investor managing multiple properties or adding to your portfolio, Go Direct Lenders provides flexible investor financing tailored to your strategy and goals. Let's discuss your next investment opportunity.
Contact Our Investment Team →
