At REIF Loans, founded by Elizabeth Shvartsman, we provide smart, reliable financing designed specifically for real estate investors. Every loan we offer is transparent, efficient, and built around your investment goals.
From DSCR loans to commercial and hard money options, our team focuses on helping investors access the right capital without unnecessary hurdles or hidden terms. Whether you’re expanding your rental portfolio, refinancing for better cash flow, or looking to scale into commercial properties, we provide the expertise and guidance to make each step easier and more profitable.
We also offer conventional and non-QM loans, giving investors the flexibility to choose financing that truly fits their strategy and stage of growth
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Fix & Flip
DSCR Loan
Mixed Use
Bank Statement
We’re real estate investors ourselves, so we understand the numbers, the risks, and the excitement of every deal. You’ll get real advice backed by experience not sales talk.
We focus on what matters most: consistent, positive cash flow. Every loan we structure is tested against real investment metrics to help your deals perform.
With deep roots in Michigan and lending programs across 48 states, REIF Loans provides personalized support wherever you invest.
A loan designed for rental property investors who qualify based on income from the property, not their personal income. Perfect for both long-term rentals and short-term Airbnb/VRBO investments.
For investors ready to move into 5+ unit multifamily or mixed-use properties, our commercial loan options provide larger limits and flexible underwriting.
Traditional financing for borrowers with strong credit and documented income. Great for investors purchasing or refinancing 1–4 unit residential properties under conforming loan limits, offering competitive rates backed by Fannie Mae and Freddie Mac guidelines.
Use your existing equity to refinance, consolidate, or reinvest into your next project. Our refinance programs help investors lower monthly payments, pull cash out, or move from bridge loans into permanent DSCR financing.
Whether you’re purchasing, refinancing, or scaling your portfolio, our strategic lending process delivers end-to-end solutions that save time, reduce surprises, and secure better deals.
We leam your investment plan and lending needs.
DSCR, commercial, or Non-QM tailored to your property type.
Get same-day feedback on eligibility.
Clear communication from application to funding.
Led by Elizabeth Shvartsman, REIF Loans is built by investors who understand your world. Our advisors bring hands-on expertise in financing, cash flow modeling, and property management – helping clients make smarter decisions for every deal.
With over a decade of experience in real estate investment, Elizabeth founded REIF Loans to provide transparent, strategic financing solutions for real estate Investors.
DSCR and commercial loan specialists serving multiple states, committed to helping investors achieve better returns through strategic financing.
Stay updated on market trends, DSCR loan strategies, and tips to grow your portfolio. Learn how investor loan programs, cash-out refinancing, and short-term rental financing can help grow your portfolio
We offer conventional programs and deep local insights across Michigan’s leading markets, including Detroit, Grand Rapids, Ann Arbor, Lansing, Kalamazoo, Traverse City, Southfield, Troy, and Royal Oak.Â
We also offer non-owner-occupied financing to investors in 48 states, including Alabama, Alaska, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington, West Virginia, Wisconsin, and Wyoming. We offer both DSCR and Commercial Loan programs.
