At REIF Loans, we exist to make real estate investing easier, smarter, and more profitable for property investors across multiple markets.
We specialize in DSCR, non-QM, and commercial loans designed for cash-flow based qualification, not traditional income-based .
REIF Loans was built on the belief that great lending starts with understanding investors from the inside out. Our team combines deep financial insight with real-world investing experience to ensure every loan supports your long-term growth.
Use loans for expanding portfolios
Whether you’re acquiring your first property or refinancing a 20-unit building, our focus stays on what drives your investment return.
REIF Loans provides DSCR and investor-focused financing across 43 states, giving clients access to high-growth rental markets from coast to coast.
Each region has its own investment strengths from the vacation markets of Florida to the multifamily corridors of Tennessee and Texas. Our advisors help you navigate local trends with national lending reach.
Each region has its own investment strengths from the vacation markets of Florida to the multifamily corridors of Tennessee and Texas. Our advisors help you navigate local trends with national lending reach.
Transparency and compliance are part of our foundation. REIF Loans operates under full state and federal mortgage licensing standards.
We are registered with the Nationwide Multistate Licensing System (NMLS) to ensure every client works with a verified, ethical lending partner.
Business-Purpose Loan Coverage: 43 states for DSCR and commercial loan programs
Consumer-Purpose Residential Loans: Michigan
CFPB and state mortgage divisions
No hidden fees or surprises - complete transparency from day one
Underwriting designed for real estate investors, not just traditional borrowers
National resources combined with deep local market knowledge
Clear cost structure with rates that maximize your investment returns
