Real estate investor loans are not one product. The right financing depends on whether you are flipping, holding, refinancing, building, or buying a short-term rental. This guide gives you the fast comparison before you submit a deal.
Programs
5 core paths
Bridge floor
600+ credit
DSCR floor
640+ credit
Review
Human file review
Fix-and-flip or hard money bridge financing is usually the best fit when you are buying, renovating, and selling.
A DSCR loan is usually the best fit for a stabilized rental because it qualifies mainly on the property's income rather than personal income.
BRRRR usually uses two loans: bridge financing for buy and rehab, then DSCR refinancing after the property is rented or lease-ready.
The fastest way to choose the right investor loan is to name the exit. If the exit is a resale, start with bridge or fix-and-flip. If the exit is long-term ownership, look at DSCR. If the asset is a ground-up build, construction financing is the better frame.
Investors often waste time applying to a product before knowing whether the deal belongs there. Capital Partner Loans reviews the scenario and routes it toward the loan path that matches the property, borrower, and exit.
Best for: Short-term acquisition, rehab, and resale.
Watch: Must have a clear exit.
Best for: Buy-and-hold rental properties.
Watch: Needs rental income support.
Best for: Specialized asset plans.
Watch: More documentation and market-specific underwriting.
Yes. Many investors use bridge loans to acquire and rehab, DSCR loans to hold rentals, and STR loans for vacation-rental properties.
DSCR and many STR programs do not rely on personal income tax returns. Bridge and construction programs focus more on the asset, scope, reserves, and exit.
Have the property address, purchase price, estimated value, rehab budget, rent or resale plan, entity details, credit profile, and liquidity information ready.
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Submit the property, borrower, and target loan details. A real person reviews the file and routes it to the right lending partner if it fits.
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