Investor loans | MD, VA, DC, FL, NC

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.

100+ Lenders

Approval Within 24 Hours

30+ Years of Mortgage Experience

No Credit Pull • No Obligation

HOW IT WORKS

One application. Better options. Simple process.

One simple application gives us what we need to explore the right mortgage options for your unique situation.

1 Submit the documents

Upload the required documents so we can review your application and move your loan forward.

2 We Shop 100+ Lenders

We compare lenders and find the loan options that fit your situation.

3 You Choose. We Close

Pick the option that works for you. We handle the process from underwriting to closing.

What each investor program is for

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DSCR loans

The flagship. Qualifies on the property’s rent, not your tax returns.

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Short-term rental

Uses nightly income. A strong fit in Orlando and coastal Florida.

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Fix and flip

Short-term finance for the purchase and the renovation together.

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Bridge loans

Buy the next one before the last one has sold.

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Multi-family

Small apartment buildings and multi-door properties.

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LLC entity lending

Keep the property in a company rather than your own name.

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Portfolio loans

Several properties financed together instead of one at a time.

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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.

PRESIDENT & CEO

Nadeem Bhatti

With years of experience in the mortgage industry, Nadeem Bhatti is dedicated to helping borrowers find the right financing solutions for their unique needs. His approach combines industry knowledge with a strong commitment to personalized service.

He believes every borrower deserves clear guidance, honest communication, and a mortgage experience built around their individual financial goals. Nadeem takes the time to understand each client’s situation and help them explore the options available.

Whether purchasing a home, refinancing, or exploring different financing programs, Nadeem is committed to making the process simple, transparent, and stress-free. His goal is to help every client move forward with confidence and make informed mortgage decisions.

Where we lend

Where we lend to investors

Texas

Licence application in progress — not yet accepting Texas applications

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.

Questions

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.