DSCR · LLC · MULTI-FAMILY · PORTFOLIO · STR · FIX-AND-FLIP ·
Investor loans
Investor Real Estate Loans — DSCR, LLC, Multifamily & Portfolio Funding. We look at the deal, not just your profile.
No tax returns needed—qualify using property income, fund via your LLC, and close in as little as 2–3 weeks with 100+ investor programs.
Investor loans
We finance the deal. Not the W2.
Fast Closing DSCR, LLC, and Multifamily Portfolio Financing to Help You Scale
Banks don’t understand investor lending. They run your personal income through an automated underwriting system, see 8 rental properties on Schedule E, flag your DTI, and decline. The deal was good. Their system just isn’t built for it.
- Investor Loans DSCR loans qualify on the property’s rental income — not yours. If the rent covers the payment, the deal qualifies. No W2. No tax return. No personal income verification.
That’s the product conventional lenders don’t have and why serious investors use specialty brokers.
- Access Financial has 100+ investor-specific lenders. LLC entity lending, multi-family programs, portfolio loans beyond Fannie’s 10-property cap, short-term rental (Airbnb/VRBO) DSCR, fix-and-flip rehab financing, and bridge loans.
The investor fast-close protocol targets 2–3 weeks from application to funding. When you find a deal, the last thing you need is a lender who takes 45 days to figure out how investment property underwriting works.
Every loan type on this page closes through a dedicated loan officer assigned to you from pre-approval to keys.
Which investor loan fits your deal?
Quick answers — the 3 questions purchase borrowers ask us first
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the property’s rental income relative to the mortgage payment — not the borrower’s personal income. If monthly rent divided by the PITIA payment equals 1.0 or above, most programs approve. No W2, no tax return, no pay stub. Access Financial offers DSCR loans for single-family rentals, 2–4 unit multi-family, short-term rentals, and LLC-owned portfolios. Close in 14–21 days on clean files.
Yes — through LLC entity lending programs. The loan is originated to the business entity, which takes title to the property. This keeps investment debt off your personal credit profile and provides asset protection between your portfolio and personal finances. Most traditional banks won’t originate LLC mortgages. Access Financial works with specialty lenders that offer LLC-name DSCR and portfolio financing. Personal guarantee is typically still required.
Fannie Mae and Freddie Mac conventional guidelines allow a maximum of 10 financed properties per borrower. At 11 or more, conventional financing through agency lenders is unavailable. DSCR loans and portfolio programs have no property count limit — each deal is evaluated independently on the property’s income. Serious investors scaling past 10 units use DSCR as their standard financing vehicle.
The purchase loan process at Access Financial
From pre-approval to keys — here's how it works
Loan Program Matching
We review your finances and match you with the best mortgage options.
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Shop 100+ Lenders
We compare rates from our nationwide lender network to find the best deal.
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Guided Closing Process
From contract to closing, we manage every step with real-time updates.
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Quick Online Application
Tell us about your homebuying goals in just 10 minutes. No credit pull required.
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Down Payment Assistance Review
We identify grants and assistance programs that may reduce your upfront costs.
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Fast Pre-Approval
Receive a strong pre-approval letter, often within 24 hours.