Buy it on what the property earns, not what you earn.
Access Financial places investment property loans across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Most of these never look at your personal income. They look at the deal.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Start with the strategy, not the product
| What You Are Doing | The Loan For It | |
|---|---|---|
| Buying a rental to hold | The rent qualifies the loan. Your personal income never enters it | DSCR |
| Renting it out by the night | Financing built around short-term rental income | Short-term rental |
| Buying, renovating, selling | Short-term money that covers the purchase and the work | Fix and flip |
| Buying before you have sold | Bridging finance so you are not forced into a chain | Bridge |
| Several doors in one building | Financing sized for small multi-family rather than single homes | Multi-family |
| Holding property in a company | Lending written for an LLC rather than an individual | LLC lending |
| More properties than one lender allows | A portfolio facility across several doors at once | Portfolio |
What each investor program is for
DSCR loans
The flagship. Qualifies on the property’s rent, not your tax returns.
Short-term rental
Uses nightly income. A strong fit in Orlando and coastal Florida.
Fix and flip
Short-term finance for the purchase and the renovation together.
Bridge loans
Buy the next one before the last one has sold.
Multi-family
Small apartment buildings and multi-door properties.
LLC entity lending
Keep the property in a company rather than your own name.
Portfolio loans
Several properties financed together instead of one at a time.
Cash out on a rental
Pull equity out of one property to fund the next.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
Three steps, built around your timeline
Tell us about the deal
The property, the rent, the strategy and the date you need to close.
We price it
Investor guidelines move constantly. We know which lenders are active on your asset type right now.
We close
Investor timelines are usually tighter than a purchase. We work to the contract, not to a queue.
Nadeem Bhatti
Where we lend to investors
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What investors ask first
What is a DSCR loan?
A loan qualified on the property’s rental income rather than yours. If the rent covers the payment, the deal can stand on its own.
Do you look at my personal income?
On DSCR and most portfolio lending, no. On bridge and construction it depends on the lender and the structure.
Can I hold the property in an LLC?
Yes. Several of our lenders prefer it. We arrange lending in a company name regularly.
How many properties can I finance?
More than most banks allow. Once you pass the limit a single lender will accept, a portfolio facility usually solves it.
How fast can you close?
Faster than a standard purchase where the deal needs it. Tell us your date at the start and we will tell you honestly whether it is achievable.
Get your deal priced
Send us the property and the rent. We will price it across the lenders active on that asset type, free.