# Real Estate Investor Loans: Which Financing Is Right for Your Deal? Canonical HTML: https://capitalpartnerloans.com/blog/real-estate-investor-loans Source site: Capital Partner Loans Real Estate Investor Loans: Which Financing Is Right for Your Deal? Compare the 5 types of real estate investor loans: bridge, DSCR, BRRRR, new construction, and STR. Find the right financing program for your next deal. ## What is a DSCR loan? A DSCR loan is a rental-property loan that qualifies the deal based on the property's rental income instead of the borrower's personal income. The DSCR loan definition is simple: if the rent can support the proposed payment, the loan can often qualify without W-2s, tax returns, or employment verification. ## Are STR loans the same as short term property loans? No. STR loans are long-term rental loans for short-term rental properties such as Airbnb or VRBO homes. A short term property loan usually refers to a bridge or rehab loan with a short payoff window. STR loans are generally held for 30 years and qualify on short-term rental income. Can I use real estate investor loans for my first investment property? Yes. Capital Partner Loans works with first-time investors on a case-by-case basis. Bridge loans are the most accessible entry point: if the deal numbers work and you have a documented exit strategy, first-time flippers are considered, typically with a slightly lower LTV and higher reserve requirement. DSCR loans for buy-and-hold rentals require a 640 credit score but have no prior real estate experience requirement. The deal, not your track record, drives the decision. What is the difference between a bridge loan and a hard money loan? The terms are often used interchangeably but describe slightly different concepts. A bridge loan is defined by its purpose: it bridges a gap between a purchase and a future event such as a sale or refinance. A hard money loan is defined by its funding source: private capital secured against the property, not the borrower's personal income. Capital Partner Loans bridge loans are both: short-term, asset-based financing from private institutional lenders used to bridge acquisition and renovation deals until the property is sold or refinanced. ## Do real estate investor loans require a down payment? Most programs require some equity at closing, but the amounts vary. Bridge loans finance up to 93% of total project cost, meaning you may need as little as 7% down when renovation costs are included. DSCR loans finance up to 85% LTV, requiring a minimum 15% down on a standard purchase. New construction loans go up to 82.5% LTC. STR loans typically require 20% down. Your specific requirement will be stated in your term sheet before you commit to anything. Can I have multiple real estate investor loans at the same time? Yes, with no property count limit. Unlike conventional Fannie Mae financing, which caps most investors at 10 financed properties, Capital Partner Loans programs evaluate each deal independently. DSCR loans are built for portfolio scaling: each property is underwritten on its own cash flow, so adding a new rental does not affect your qualification on existing holdings. Experienced investors with large portfolios often qualify for better terms, not worse ones. How long does it take to get approved for a real estate investor loan? Timeline depends on the product. Bridge loans move fastest: term sheets are issued within 24 hours and some deals close in as little as 48 hours when the file is clean. DSCR loans typically close in 2 to 4 weeks. New construction loans take longer due to plan review, permit verification, and draw schedule setup. Submit your deal at capitalpartnerloans.com/apply to get a real-time estimate for your specific scenario. ## 5 Types of Real Estate Investor Loans ## Bridge Loan (Fix and Flip) ## BRRRR (Bridge leg) Capital Partner Loans offers 5 investor loan programs: bridge, DSCR, BRRRR, new construction, and STR. Bridge loans issue term sheets in 24 hours and can close in 48 hours. No appraisal required. DSCR loans require no W-2s or tax returns. The property's rental income qualifies the deal. Minimum credit scores: 600 for bridge, 640 for DSCR and STR, 660 for new construction. Loan amounts start at $75,000 for most programs and $100,000 for new construction. ## What Are Real Estate Investor Loans? ## The 5 Types of Real Estate Investor Loans ## How to Choose the Right Loan for Your Deal ## How to Apply Through Capital Partner Loans Buying a distressed property, renovating it, and selling for a profit Acquiring an off-market deal that needs to close in days, not weeks Investors whose personal income or credit profile would not qualify for conventional financing ## Real estate investor loan programs comparison table ## Hold after DSCR refi Horizontal bar chart showing interest rate ranges for each Capital Partner Loans investor loan program as of Q2 2026 Buying distressed, renovating, and selling: Bridge loan. Speed and leverage matter more than rate on a flip. Buying or refinancing a long-term rental: DSCR loan. 30-year fixed, no personal income docs, no property count ceiling. Full buy-rehab-rent-refinance-repeat cycle: BRRRR. Bridge on acquisition, DSCR refi once stabilized and leased. Building from the ground up: New Construction loan. Draw-based, milestone-tied, LLC required, experience preferred. Buying or refinancing an Airbnb or VRBO: STR loan. Underwrites on STR income data, not long-term rent comparables. Do not use a bridge loan for a buy-and-hold: the short term and high rate erode cash flow and force a rushed refi or payoff. Do not use a DSCR loan to fund an active renovation: DSCR underwriting assumes the property is already stabilized and generating rent. Submit your deal at capitalpartnerloans.com/apply. The intake form takes under 5 minutes. Include the property address, loan type, purchase price or current value, estimated renovation costs if applicable, expected rental income if applicable, and your basic borrower profile including estimated credit score. Capital Partner Loans reviews your submission within 2 business hours and identifies the best-fit lending partner for your scenario. First-time investors are reviewed on a case-by-case basis. No automated rejection systems. The lending partner issues a term sheet directly to you with rate, leverage, term, and deal-specific conditions. No obligation to proceed at this stage. You review and decide. If you accept the terms, the lending partner moves to formal underwriting and closing. Bridge deals can fund in as little as 48 hours. DSCR and construction deals follow a standard 2-to-4-week closing timeline. You close, fund, and execute your investment strategy with financing matched to the deal. What is the difference between a bridge loan and a hard money loan for real estate investors? The terms are often used interchangeably but describe slightly different concepts. A bridge loan is defined by its purpose: it bridges a gap between a purchase and a future event such as a sale or refinance. A hard money loan is defined by its funding source: private capital secured against the property, not the borrower's personal income. Capital Partner Loans bridge loans are both: short-term, asset-based financing from private institutional lenders used to bridge acquisition and renovation deals until the property is sold or refinanced. Most programs require some equity at closing, but the amounts vary. Bridge loans finance up to 93% of total project cost, meaning you may need as little as 7% down when renovation costs are included in the LTC calculation. DSCR loans finance up to 85% LTV, requiring a minimum 15% down on a standard purchase. New construction loans go up to 82.5% LTC. STR loans typically require 20% down. Your specific requirement will be stated in your term sheet before you commit to anything. Yes, with no property count limit. Unlike conventional Fannie Mae financing, which caps most investors at 10 financed properties, Capital Partner Loans programs evaluate each deal independently. DSCR loans are designed for portfolio scaling: each property is underwritten on its own cash flow, so adding a new rental does not affect your qualification on existing holdings. Experienced investors with large portfolios often qualify for better terms, not worse ones. Timeline depends on the product. Bridge loans move fastest: term sheets are issued within 24 hours and some deals close in as little as 48 hours when the file is clean. DSCR loans typically close in 2 to 4 weeks from submission to funding. New construction loans take longer due to plan review, permit verification, and draw schedule setup. Submit your deal at capitalpartnerloans.com/apply to get a real-time estimate for your specific scenario and loan type.