Value-Add
Short-term financing to purchase and renovate qualified investment properties.
Review criteria
Value-add and long-term rental financing
Investor financing.
Fast and simple.
My Investors Loan makes the mortgage process fast and simple for both value-add projects and long-term rental properties. Technology and automation help qualified investors move from deal submission to closing quickly with competitive financing options.
Value-add loansBridge financingConstruction loansDSCR rental loans
Financing for active investors
One process for the property you are improving or holding.
Through a focused application and underwriting process, My Investors Loan helps qualified borrowers pursue short-term value-add financing and long-term rental financing.
Start with the property address, project numbers, requested closing date and intended exit. The team reviews the opportunity, identifies the potential fit and explains what is needed to move forward.
Bridge
Transitional financing for acquisitions, stabilization and documented exit strategies.
See productsConstruction
Financing for qualified projects with plans, budget, experience and completed-value support.
See productsDSCR Rental
Long-term rental financing evaluated primarily through property income and debt service.
Review criteriaThe MIL process
From deal submission
to closing coordination.
The process starts with a complete deal submission and an accurate closing date.
Submit a deal
Complete the application with the property, financing request, project plan and borrower details.
Confirm timing
Enter an accurate closing date that aligns with the product timelines listed in the FAQs.
Initial review
A team member reviews the submission and responds about the potential program fit within one business day.
Review the offer
If the deal is eligible, proposed financing terms are prepared for review and acceptance.
Valuation and underwriting
After the offer is accepted and required documents are complete, valuation is ordered and underwriting begins.
Prepare to close
Title and insurance are coordinated while the fulfillment team resolves final closing requirements.
Eligibility criteria
Start with the program that matches the strategy.
Value-Add Financing
- Credit
- 680 minimum FICO
- Term
- 12–18 months
- Leverage
- Up to 90% LTC and 75% ARV
- Loan amount
- $100,000–$1,500,000
Long-Term Rental
- Credit
- 680 minimum FICO
- Term
- 30 years
- Leverage
- Up to 80% LTV
- DSCR
- 1.10 minimum
Figures are program guidelines, not guaranteed terms. Final eligibility depends on credit, experience, liquidity, property, location, valuation, documentation and underwriting.
Investor questions
Know the requirements before the clock starts.
How fast can a loan close?
Published timelines begin when the file is ready for underwriting with all required information and documents. Rehab and bridge loans may close in about 10 business days for a new client and 5–7 business days for a repeat client. Rental loans generally require about four weeks for a single property.
Do you offer 100% loan-to-cost financing?
No. Value-add financing is generally limited to up to 90% loan to cost, depending on experience and the complete borrower and property profile.
What counts as liquidity?
Checking, savings and money-market accounts can count. Retirement accounts, stocks and home-equity lines may be considered at 50% of the available balance.
Do you finance short-term rentals?
Short-term rentals may be considered at higher rates and lower leverage. A refinance request generally requires at least six months of operating history.
Ready to begin?
Have the address, numbers and closing date?
Submit the deal for an initial financing review.
Submit a Deal