At REIF Loans, we help investors secure financing that fits every stage of growth from your first rental property to large multifamily or commercial acquisitions.
Our programs are built around cash flow, flexibility, and investor success, not traditional income verification.
Whether you need a DSCR loan for a rental, a commercial loan for a multifamily project, or a refi mortgage to unlock equity, our team will guide you to the right solution.
The cornerstone of investor lending. (Debt Service Coverage Ratio) loans qualify based on your property’s rental income, not your personal income.
When you’re ready to step into 5+ unit multifamily, retail, or mixed-use properties, REIF Loans offers flexible commercial financing built for scalability
Conventional loans remain a reliable option for investors purchasing or refinancing 1–4 unit residential properties under conforming limits.
Use your existing equity to lower payments, pull cash out, or reinvest in your next opportunity.
Short-term financing (6–24 months) for purchasing and renovating properties, with qualification based on after-repair value (ARV).
Ideal for investors needing fast funding between purchase and long-term financing. Often used to stabilize or reposition properties.
Funding for land acquisition and new construction projects designed for resale or long-term rental.
We've managed properties, analyzed cash flows, and closed deals ourselves. So our advice comes from experience, not theory.
We help investors qualify through DSCR, asset-based, and non-QM programs when traditional lenders can't.
Licensed and experienced across key markets including Michigan, New Jersey, California, Texas, and Connecticut.
| Loan Type | Best For | Key Feature | Learn More |
|---|---|---|---|
 DSCR Loan | Cash-flowing rentals | Qualify using rental income | View DSCR Loans |
 Commercial Loan | unit or mixed-use | DSCR-based underwriting | View Commercial Loans |
 Conventional Loan | Owner or small investor | Low fixed rates | Learn More |
 Refi Mortgage | Cash-out & rate-term | Unlock equity fast | Start Here |
 Fix & Flip | Short-term rehab | Based on after-repair value | Details |
 Bridge Loan | Transitional projects | Quick close, flexible exit | Explore |
Whether you’re buying, refinancing, or scaling, our investor-friendly loan programs provide flexibility, clarity, and support every step of the way.
