REIF Loans specializes in real estate investor financing, including DSCR, non-QM, and Commercial property loans, We help both new and experienced investors qualify based on property income and cash flow, not just personal income.
Traditional lenders focus on W-2 income and tax returns. We focus on property performance, rental income, and your investment goals. making approvals faster and more flexible.
We currently lend in Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on rental income compared to loan payments. If your property’s income covers its mortgage you qualify.
Divide the property’s net operating income (NOI) by its total annual debt payments. A ratio above 1.0 means the property generates enough income to pay its mortgage.
Single-family rentals, short-term vacation homes, duplexes, triplexes, and small multifamily (up to 4 units).
A minimum of 620 is required, but 680+ is preferred for the most competitive rates.
Typically, 20%–25% depending on the property type, location, and investor profile.
No W-2s or tax returns are needed. We qualify based on rental income, lease history, and property cash flow.
REIF Loans offers programs from $100,000 to $5 million, depending on property size and portfolio scope.
Most DSCR loans close within 2–4 weeks, depending on appraisal and title timelines.
You’ll typically need a loan application, property address, rent roll or lease, and recent mortgage statement if refinancing.
We offer a no-cost prequalification that helps investors understand how much they can borrow before making an offer.
Yes, we offer both rate-term and cash-out refinances for rental and multifamily properties.
Fees vary by loan program but are always disclosed upfront. Typical costs include origination, appraisal, and title fees.
Some DSCR loans have prepayment periods of 1–3 years. Your advisor will review all terms before you commit.
Rates depend on your credit profile, loan-to-value (LTV), DSCR ratio, and market conditions. We always provide a detailed rate quote before application.
We work as an investor-focused lender and marketplace, connecting clients with programs that best fit their financial strategy.
Yes. We are licensed and registered through the Nationwide Multistate Licensing System (NMLS), with oversight from state and federal mortgage regulators.
Visit the official NMLS Consumer Access portal and search using our NMLS ID: 2598450.
You can contact our team via phone, email, or web form during business hours (Monday–Friday, 9 AM – 6 PM). We respond to most inquiries within one business day.
If you don’t see your question here, our advisors are happy to help. Whether you’re comparing DSCR programs, preparing to refinance, or just starting out with real estate investing, we’ll provide clear answers and trusted guidance.
