Real Estate Investment Loans
From your first flip to a growing rental portfolio, Rehab Financial is a direct private lender with loan products built for how real estate investors actually work.
Why Investors Choose Rehab Financial
Rehab Financial is not a broker and not a bank. We fund every loan we write with our own capital, which means we can approve deals the same day, close in as few as 5-10 business days, and underwrite based on the strength of your deal, not your W-2. We lend across 18 states to investors at every experience level.
- Same-day approvals
- Close in 5-10 business days
- Up to 100% financing
- No income verification
- Common-sense underwriting
- 18 lending states
Fix and Flip Loans
Our fix and flip financing is built for investors who need speed and certainty. Up to 100% of purchase and rehab costs covered for qualifying borrowers, with common-sense underwriting and quick turnarounds.
- Up to 75% ARV | Loan amounts: $100K–$1.25M
- 9-month term | 650 minimum FICO
- 1-4 residential units
Ground-Up Construction
Short-term financing for experienced builders taking a project from dirt to done. Fast draw process, interest as drawn for the first six months, and no LTC cap for qualifying borrowers.
- Up to 90% LTC | Loan amounts: $100K–$1.25M
- 12-month term | Experience required: 3 completed projects
- 1-4 residential units
Multi-Family Property Loans
Asset-based bridge financing for experienced investors buying, rehabbing, or repositioning 5 to 10 unit income-producing properties in metro areas.
- 85% of purchase price | 100% of rehab budget
- 9-month term | 700 minimum FICO
- Experience required: 3 prior projects including 1 multi-family
30-Year DSCR Loans
Long-term rental financing offered through a trusted lending partner. Qualify on your property’s cash flow, not personal income, with purchase and cash-out refinance options available.
- 30-year fixed, 5/1 ARM, and 10-year IO options
- Up to 75% LTV cash-out | 640 minimum FICO
- Up to 8 units, mixed use, and condos eligible
Lending Locations
We currently lend in Alabama, Connecticut, Delaware, Florida, Georgia, Indiana, Kentucky, Maryland, Massachusetts, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia.
Ready to Move on Your Next Deal?
If you have a deal in mind or just want to understand your options, we’re ready to talk it through with you.