Find the Program That Fits.
We offer an extensive range of programs, from short term bridge to long term financing, and even rehab or construction loans with flexible funding and fast closings. We approve loans that banks can't.
Fix & Flip/Rehab Loans
HML4Investors provides fast, reliable fix-and-flip loans for the purchase and rehab of investment properties, with high leverage up to 90% LTV AND 75% ARV (with no appraisal, in some cases), giving you the funding you need to move quickly and maximize returns. With our customized lending approach, we tailor-fit the loan program to meet your investment goals and objectives.
Rental (DSCR)
Our Rental Property Loans offer real estate investors the ability to purchase, refi, or get cash-out on a Single 1-4 family Property, or their whole Portfolio. We make it easy.
A DSCR (Debt Service Coverage Ratio) loan is a type of mortgage designed for real estate investors, where approval is based on the property's cash flow rather than the borrower's personal income. Lenders look at the rental income from the property and compare it to the mortgage payment to calculate the DSCR. If the property generates enough income to cover the debt (typically a DSCR of 1.0 or higher), the borrower may qualify. These loans are popular with investors who want to qualify based on the property's performance rather than their own tax returns or employment income.
Residential Construction
Our Construction Loan program provides a comprehensive solution for builders and investors in need of financing for ground-up construction projects. HML4Investors can facilitate funding that covers all aspects of construction. The program features a term of up to 18 months and interest rates beginning at 9.84%, enabling you to finance your project from inception to completion. For more details, please inquire with us.
Multi-Family
Maximize your investment potential with our hassle-free financing solutions for multi-family properties. Build wealth, one unit at a time!
Commercial
Why come to us? We offer a wide range of lending solutions through our non-bank flexibility, expanded lending options, and lower credit score requirements.
When should you choose an alternative solution for your commercial loan?
- You've been turned down by your banks
- You do not wish to produce tax returns
- You want cash-out flexibility
Property Types:
- Multifamily
- Mixed-Use
- Retail
- Office
- Light Industrial
- Mobile Home Park
- Warehouse
- Self-Storage
- Day Care Center
- Restaurant/Bar
- Automotive
- And much more!