Loan Programs
Financing built for the deal.
Business-purpose programs for real estate investors and builders — the loans most banks can't do, done every day.
Property Types We Finance
- Investor 1–4 (SFR, Condo, and 2–4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans qualify you on the property's rental income instead of your personal income. If the rent covers the payment, you can qualify — no tax returns, no W-2s, no employment verification. It's the go-to tool for investors scaling a rental portfolio.
- ✓No personal income docs — qualify on the property's rent
- ✓Purchase, rate & term, or cash-out refinance
- ✓Close in an LLC
- ✓Short-term and long-term rentals considered
- ✓Unlimited financed properties
Fix & Flip
Short-term financing built for speed: fund the purchase and the rehab budget in one loan, draw funds as work completes, and exit when you sell or refinance. Approvals focus on the deal and the after-repair value — not your tax returns.
- ✓Purchase + rehab budget in one loan
- ✓Qualify on the deal and after-repair value (ARV)
- ✓Interest-only payments during the project
- ✓Fast closings so you can compete with cash buyers
- ✓First-time and experienced flippers welcome
Ground-Up Construction
Ground-up construction loans fund the build from lot to finished home — land acquisition or payoff, vertical construction costs, and draws released as each phase completes. Built for builders, developers, and investors putting up spec homes or rental product.
- ✓Land + construction costs in one facility
- ✓Draw schedule tied to construction milestones
- ✓Interest-only during the build
- ✓Spec builds, custom homes, and investment product
- ✓Experienced-builder and investor-friendly guidelines
Commercial Property Loans
Financing beyond the single-family box: multi-family (5+ units), mixed-use buildings, and commercial property including office, retail, warehouse, self-storage, and automotive. Underwritten on the asset and its income — structured for investors and owner-operators of business real estate.
- ✓Multi-family 5+ units, mixed-use, and commercial
- ✓Office, retail, warehouse, self-storage, automotive
- ✓Purchase, refinance, and cash-out
- ✓Asset- and income-based underwriting
- ✓Close in an LLC or entity
Investment Property HELOC
Access the equity in your investment property without touching your existing first mortgage — and without waiting on a full appraisal. These equity lines use automated valuations, so you can go from application to funding in days, not weeks, and put your equity to work on the next deal.
- ✓No full appraisal — automated valuation instead
- ✓Keep your existing low-rate first mortgage in place
- ✓Fast funding — often days, not weeks
- ✓Draw, repay, and re-draw as you need
- ✓Fund renovations, down payments, or your next acquisition
Express Mortgage Capital arranges business-purpose loans secured by non-owner-occupied investment property only. Loans not available in all states. This is not a commitment to lend. All loans subject to credit and property approval. Rates and terms subject to change. Program availability, rates, terms, and qualification requirements vary by lender and are subject to change without notice.
Ready to get started?
Apply online in minutes or talk to us about your options — no pressure, no obligation.