Strategic Lending for Strategic Investors

LENDING CRITERIA

At Investor Realty Finance, we believe clarity creates confidence. Our lending criteria are designed to be transparent, investor-friendly, and aligned with real-world project needs. Whether you’re flipping a property or expanding your rental portfolio, these guidelines help ensure smooth approvals and fast funding.

Borrower Requirements

• Experience preferred but not required
• LLCs, corporations, and experienced individuals accepted
• No income documentation needed for most loan types
• Clean, achievable exit strategy (flip, refi, sale, or cash flow)

Property Types We Finance

• Single-family residences (1–4 units)
• Condos and townhomes
• Investment-only—no owner-occupied properties

Fix & Flip Criteria

• Up to 888-683-1541% of purchase
• Up to 100% of rehab costs (experience-based)
• Up to 65–70% of ARV
• 6–24 month terms
• Fast draws to keep renovations moving

Buy & Hold (DSCR) Criteria

• Based on Debt Service Coverage Ratio, not personal income
• Minimum DSCR typically 0.75–1.0 (program dependent)
• Up to 80% LTV on purchases and refinances
• 30-year fixed, ARM, and interest-only options
• Ideal for long-term rentals and BRRRR investors

Location Requirements

We lend in most major markets across the country.
We do not lend in: MN, NV, SD, UT, VT

Simple, Transparent, Investor-Focused

We design our criteria to help you close quickly while keeping every deal safe, profitable, and predictable. If a project meets our guidelines, we work hard to fund it—fast. And if a deal needs creative structuring, our team will collaborate with you to find the right solution.