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QUALIFYING A MORTGAGE LOAN APPLICATION WITHOUT THE NEED FOR TAX RETURNS
SWIFT LOAN QUALIFICATIONS AND PROCESSING FOR TAILORED SERIOUS BUYERS
ASK US ABOUT OUR RESIDENTIAL AND COMMERCIAL BRIDGE LOANS NATIONWIDE
OUR DSCR LOAN QUALIFICATION PROGRAM IS DESIGNED TO BE SIMPLE AND ACCESSIBLE
WIDE RANGE OF LOANS INCLUDING COMMERCIAL, FIX N’ FLIP, AND CONSTRUCTION
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A MORTGAGE IS A BIG DEAL

Welcome to ResidentialLending.net, where we understand that obtaining a mortgage is a significant financial commitment. Our mission is to support you at every stage of the process, helping you discover the ideal loan program tailored to your needs and ensuring you get funded. Whether you’re interested in purchasing or refinancing residential, investment, or commercial property, our dedicated team is committed to delivering a seamless and personalized mortgage experience. Consider us your all-in-one mortgage solution center.

 

Ready to embark on your journey? Connect with our team today for expert guidance and assistance. Whether you’re a real estate investor, builder, developer, realtor, or business owner, we are here to address your inquiries and support you on your path to success. Your mortgage solutions begin with us at ResidentialLending.net.

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Property Types

  • Residential Investment: SFH, Condo, & 2-4 Units
  • Multi-Family: 5-8 Units, 9-20 Units, or Larger)
  • Mixed-Use: Residential and Commercial
  • Commercial: Office, Retail, Warehouse etc.
  • Fix and Flip or New Construction Project

Why Choose Us?

Explore our diverse range of mortgage loan options and leverage our extensive investor platform for structuring and securing funding. 

With 30 Years of Valuable Industry Experience

Network of Over 150 Investors and Partners

80% Success Ratio Upon Signed LOI/ Term Sheet

In-House Underwriting Ability & Excellence

Industry
Success
Investors
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Which Loan Program is Right for You?

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Term Loan

Bridge Loan

Construction Loan

Single Family/2-4 FamilyCommercialMulti-familyMixed Use
Base Rate10%-12%11%-13%11%-13%11%-13%
Min Loan Amount$100,000$250,000$250,000$250,000
Max Loan Amount$10,000,000$75,000,000$75,000,000$75,000,000
Max Refinance LTV75%65%75%75%
Max Purchase LTV80%65%90%75%
Max LTC90%75%80%80%
Maximum ARV70%65%70%70%
Minimum FICO580580620620
Single Family/2-4 FamilyMulti-familyMixed UseCommercial
Base Rate7%-9%8%-10%8%-10%7%-9%
Min Loan Amount$100,000$250,000$250,000$500,000
Max Loan Amount$10,000,000$75,000,000$75,000,000$75,000,000
Max Purchase LTV80%75%75%75%
Refinance / Cashout75%75%70%75%
Max LTC80%75%75%80%
Minimum FICO660680680660
Project DevelopmentFix N’ FlipGround UpEquity Renovation
Base Rate10%-12%9%-12%10%-12%10%-12%
Min Loan Amount$250,000$100,000$500,000$500,000
Max Loan Amount$50,000,000$10,000,000$100,000,000$75,000,000
Max Refinance LTV60%75%75%65%
Max Purchase LTV65%90%75%70%
Max LTC70%90%85%70%
Maximum ARV70%70%70%70%
Minimum FICO620620660620

The terms and LTC/LTV ratios are subject to variation based on factors such as property type and condition, location, credit score, loan type, and the financial strength of the borrower.

Residential Loan Types

DSCR Rental Loans

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Debt Service Coverage Ratio (DSCR) Rental Loans stand out as one of our niche products, allowing you to qualify for a mortgage loan without tax returns. Qualification is based on current or estimated rental income. Additionally, we provide flexibility by considering alternatives such as bank statements, non-QM, or no-doc loan program.

Fix N’ Flip Loans

Fix-and-flip-loans

For all types of residential investment properties, we extend Fix and Flip Loans that cover both the purchase and rehabilitation phases. With three decades of experience, our expert team is equipped to guide you through the process, even in the presence of loan complications, ensuring a smooth qualification process.

Bridge/Blanket Loans

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Explore short-term bridge loans or blanket loans covering multiple residential investment properties with us. Leveraging our in-house underwriting capabilities and extensive partnerships with hundreds of investors, we tailor solutions to fit your specific loan scenarios, providing you with the right options.

Rental Portfolio Loans

Rental Portfolio Loans

Collaborate with our trusted experts to create a rental portfolio loan as unique as your 5-8 units, 9-20 units, or larger apartment building. Our dedicated team will carefully review your requirements and source the best possible loans, allowing you to concentrate on scaling your portfolio with confidence.

Commercial Loan Types

Small Balance Loans

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Project Development Loans

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Fannie Mae Loans

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USDA B&I Loans

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SBA 7a or 504 Loans

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Large Balance Loans

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DSCR or Lite Doc Loans

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Hard Money Loans

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Construction Loans

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Fredie Mac Loans

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Bridge Loans

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Foreign National or No Doc

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ASK FOR A PRE-QUALIFICATION LETTER IN 6 HOURS!
Having Difficulties to Qualify A Residential Investment Mortgage Loan?
Your Ultimate Destination for Residential and Mortgage Loan Solutions.
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What Can We Do For Your Business?

Mortgage Loans Background

A residential investment loan serves as a specialized financial tool aimed at aiding individuals in acquiring residential properties for investment objectives. Tailored for real estate investors seeking rental income or leveraging property value appreciation, these loans necessitate a nuanced understanding of the right loan products and a seasoned team. Whether your investment strategy involves short-term bridge financing, fix-and-flip projects, ground-up construction, or long-term loans with or without tax returns, we take pride in being your financial partner. Reach out to us today to initiate a discussion with our team of experts.

Happy Client Feedback About Our Service

ResidentialLender.net has been assisting clients with residential investment and commercial mortgage loans across 48 States since 2013. Our platform enables qualification for even the most complex loans that traditional banks or lenders may decline. ResidentialLender.net is a subsidiary of Commercial Lending USA.

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