Investor Loans & Rental Property Financing

Who This Is For

Financing for every type of real estate investor

Traditional mortgage programs weren't designed for investors. These specialty loan programs are — letting you qualify based on the property's income potential rather than your personal tax returns.

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Rental Property Buyers

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Fix & Flip Investors

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New Construction Builders

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Multi-Unit Property Owners

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Portfolio Growers

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Wholesalers & Double Closers

DSCR

Qualify on Rental Income

Personal Income Required

Fast

Close in Days (Hard Money)

1-4

Units Eligible

Loan Programs

Six investor financing options

DSCR Loan — Debt Service Coverage Ratio

Qualify based on the property's rental income — not your personal income or tax returns. The most powerful tool for growing a rental portfolio.

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No Personal Income Verification

Qualify entirely on the property's rental income — W-2s and tax returns not required

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Must Have 12 Months Investor Experience

Designed for experienced investors with a track record of owning/managing real estate

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Single Family to Multi-Unit

Eligible for 1–4 unit residential investment properties

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Purchase or Cash-Out Refinance

Buy new rentals or pull equity from existing ones

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DSCR Ratio Typically 1.0+

Property rent must cover or exceed the monthly mortgage payment

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Credit Score 680+ Recommended

Stronger credit profile gets better rates on larger portfolios

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30-Year Fixed or ARM Options

Choose stability or start with a lower adjustable rate

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Loan Amounts Into the Millions

DSCR Max programs available for larger portfolios

Best for: Buy-and-hold investors who want to qualify for rental property loans without showing personal income — perfect for building a long-term portfolio.

Fast Funding · Short-Term

Fix & Flip Loan

Short-term financing to acquire and renovate investment properties for resale. Fast approval and quick closing so you don't miss deals.

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Covers Purchase & Rehab Costs

Finance both the acquisition and renovation in a single loan

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Fast Closings Available

Close in days, not weeks — critical in competitive markets

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No Income Verification Required

Qualify based on the property and your investor track record

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Interest-Only Payments During Rehab

Keep cash flow manageable while renovations are underway

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Loan Based on After-Repair Value (ARV)

Lend against what the property will be worth after improvements

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12–18 Month Terms

Short-term structure designed for quick acquisition and flip

Best for: Real estate investors buying distressed properties to renovate and resell quickly for profit.

Bridge Financing

Bridge Loan

Short-term financing to bridge the gap between buying a new property and selling or refinancing an existing one. Don't miss opportunities while waiting for capital.

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Quick Access to Capital

Get funds fast when timing is critical and a deal can't wait

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Use Existing Property as Collateral

Leverage equity in current holdings to fund the next acquisition

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Flexible Terms

Short-term structure — typically 6–24 months

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No Prepayment Penalty

Pay off when your sale or long-term financing comes through

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Investment & Commercial Properties

Works across a range of property types

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Asset-Based Lending

Qualify based on property value, not income

Best for: Investors who need quick capital to close on a new deal while waiting for an existing property to sell or refinance.

New Construction

Construction Loan for Investors

Financing for investors building new residential investment properties from the ground up. Fund the land, construction, and carry costs in one loan.

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Fund Land Acquisition & Construction

One loan covers the full project from lot to finished property

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Draw Schedule Based on Progress

Funds released in stages as construction milestones are met

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Interest-Only During Construction

Only pay interest on drawn funds while building

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Convert to Permanent Financing

Roll into a long-term loan or DSCR once construction is complete

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Single Family & Small Multi-Unit

Available for residential investment construction projects

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Experienced Builders Preferred

Track record of completed projects strengthens the application

Best for: Investors building new rental properties or small multi-unit developments as part of a long-term real estate investment strategy.

Transactional Funding

Transactional Funding (Wholesale / Double Close)

Short-term funding for wholesalers who need capital to facilitate a double closing. Secure the property and simultaneously close with your end buyer.

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Same-Day or Next-Day Funding

Extremely fast turnaround for back-to-back closings

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No Credit Check Required

Qualify based on the transaction, not your personal credit

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No Income Verification

Asset-based — the deal is the qualification

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Small Fee Structure

Typically a flat fee or percentage of the transaction

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Residential & Commercial

Works across multiple property types

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End Buyer Proof Required

Must have confirmed buyer in place before funding

Best for: Real estate wholesalers who have a seller and an end buyer lined up and need temporary capital to facilitate a double close.

Long-Term Rental · Conventional

Conventional Investment Property Loan

For investors who have strong personal income and credit, conventional investment property loans often offer the most competitive rates for long-term holds.

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Lowest Rates for Qualified Investors

Best pricing when income and credit are strong

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20–25% Down Payment

Standard requirement for investment property conventional loans

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1–4 Unit Properties Eligible

Single family, duplex, triplex, or fourplex

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30-Year Fixed Available

Long-term stability with predictable payments

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620+ Credit Score Minimum

Standard credit requirement with best rates at 740+

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Rental Income Can Help Qualify

75% of projected rental income counted toward DTI

Best for: Investors with strong personal income and credit scores who want the lowest possible rate on a long-term rental property hold.

Quick Comparison

Which program fits your strategy?

Program	Best For	Income Required	Typical Term	Speed
DSCR Loan	Long-term rentals	No personal income	30 years	2–3 weeks
Fix & Flip	Buy, renovate, sell	No income needed	12–18 months	Days
Bridge Loan	Short-term gap funding	Asset-based	6–24 months	Days
Construction	Building new property	Varies	12–18 months	1–2 weeks
Transactional	Wholesale / double close	No income needed	1–5 days	Same day
Conventional Investment	Long-term hold, best rate	Personal income required	30 years	3–4 weeks

Ready to grow your portfolio?

Curtis will review your investment strategy and match you with the right financing program — whether you're buying your first rental or your fiftieth.

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Curtis Christensen

Mortgage Loan Originator · NMLS #156825 · Utah Mortgage

Curtis works with real estate investors at every stage — from first-time rental buyers to experienced portfolio holders. He'll match you with the right financing strategy and get you to closing fast so you never miss a deal.

💬 Tell Us About Your Investment

The more you share, the better Curtis can match you with the right program.

Step 1 of 2 — Your Situation

Tell us about your needs

Loan Program Interest

Property Type

Estimated Purchase Price

Estimated Credit Score

Down Payment Available

Utah County

Do you own other investment properties?

Questions (optional)

Step 2 of 2 — Contact Info

Where should we send your information?

Full Name

Phone Number

Email Address

By submitting you consent to be contacted by Curtis Christensen NMLS #156825 at Utah Mortgage NMLS #1432672.

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You're All Set!

Curtis will review your information and be in touch shortly.

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Grow Your Real EstatePortfolio With theRight Financing