Investor Loan Programs
Real Estate Investor Funding: Flips, Double Closes, Rentals, Bridge & Commercial
Fix and flip, double close, DSCR rental, bridge, new construction and commercial funding, all through our network of lending partners. Apply once and we match your deal to the program that fits.
Which funding fits your deal?
Start with what you are trying to do, then apply for the program that fits.
| Your situation | Best fit | |
|---|---|---|
| You are wholesaling and need to close A-to-B and B-to-C the same day | Double Close (transactional) | Apply → |
| You are buying a house to renovate and resell | Fix & Flip | Apply → |
| You want to keep a rental and qualify on its rent | DSCR Rental | Apply → |
| You need short-term money to buy or refinance fast | Bridge | Apply → |
| You are building from the ground up | New Construction | Apply → |
| Multifamily (5+ units), mixed-use, or other commercial property | Commercial Bridge, Long-Term Hold, or Value-Add | See programs → |
Loan programs
Apply once. Each program asks for the basics below plus a few deal-specific details, and we match your deal to the right lending partner.
Fix & Flip
Buy and renovate a property to resell.
Acquisition plus rehab funding for flips, including 2–4 unit and 5+ unit properties and assignment deals.
For this program you’ll also be asked for:
- Purchase price, rehab budget, and ARV
- Current value, beds/baths, square footage
- Whether you are under contract (and closing date)
- Assignment fee, if it is an assignment
Double Close
Close A-to-B and B-to-C the same day.
Transactional funding for wholesalers who need to fund the A-to-B purchase and close the B-to-C resale, usually on the same day.
For this program you’ll also be asked for:
- A-to-B contract price and B-to-C sale price
- Closing date and title company
- How your end buyer is paying
DSCR Rental
Buy or refinance a rental that pays for itself.
Qualifies mostly on the property’s rent versus its payment, not your personal income. Purchase, delayed purchase, rate-and-term, and cash-out refinance.
For this program you’ll also be asked for:
- Current or market rent and occupancy type
- Annual taxes, insurance, and HOA
- Purchase price, or original price, purchase date, and payoff for a refinance
- Whether your LLC is owned by another entity
New Construction
Ground-up builds on land you own or are buying.
Construction budget and ARV-based funding for new residential builds.
For this program you’ll also be asked for:
- Construction budget, soft costs, and ARV
- Whether you own the land (or the purchase price)
- Survey, soil test, plans, and permit status
- Beds/baths and square footage of the build
Bridge
Fast, short-term money to buy or refinance before your next move.
For residential properties that need time to stabilize, sell, or qualify for long-term financing.
For this program you’ll also be asked for:
- Purchase or refinance, and the property’s current value and ARV
- Purchase price, or original price, purchase date, and payoff
- Whether you are under contract (and closing date)
Commercial Bridge
Short-term financing for commercial and multifamily properties.
Purchase or refinance of multifamily, mixed-use, and other commercial property while you reposition it.
For this program you’ll also be asked for:
- Property type, units, and occupancy
- Current and projected annual cash flow
- Purchase price, or original price, purchase date, and current debt
Commercial Long-Term Hold
Long-term financing for stabilized commercial property.
For multifamily and other commercial properties you plan to keep.
For this program you’ll also be asked for:
- Property type, units, and occupancy
- Current and projected annual cash flow
- Purchase price, or original price, purchase date, and current debt
Commercial Value-Add
Funding to buy, improve, and raise the value of a commercial property.
For multifamily and commercial properties with a plan to increase income and value.
For this program you’ll also be asked for:
- Property type, units, and occupancy
- Current and projected cash flow and projected ARV
- Purchase price, or original price, purchase date, and current debt
Have this ready before you apply
The application is detailed. Gathering these first makes it a 10-minute job instead of an hour.
You & your business
- Name, email, and phone
- Business (LLC) name and your ownership %
- Estimated credit score
- Any past bankruptcy, foreclosure, or other credit events
- Number of deals you have completed
- Cash available (liquidity)
- Residency status
The property
- Address and property type (SFR, 2–4 unit, 5+ unit, commercial)
- Beds/baths and square footage, or number of units
- Current value
- Loan amount you are requesting
The deal
- Purchase price and closing date, if under contract
- Rehab or construction budget and ARV
- Rent, taxes, insurance, and HOA (rentals)
- Cash flow (commercial)
- Original price, purchase date, and payoff (refinances)
Run your numbers first with our Deal Calculator and MAO Calculator.
Apply in a few minutes. We match you to the right lender.
One short application. We match it to the program that fits your deal and get back to you with next steps.
- ✓Applying does not trigger a hard credit pull
- ✓Purchase, refinance, rehab, rental, construction and commercial
- ✓Your progress saves on this device as you go
- Program
- Deal
- Property
- You
- Review
Application received
Thanks, there. Your loan request is in. We are reviewing it now and will reach out by phone or email with next steps.
How it works
- Pick a programUse the guide above to choose the loan that fits your deal.
- Apply onlineFill out one short application. It goes into our system so we can track your deal.
- Get reviewedWe send it to the lending partner that fits, who reviews the deal and contacts you about terms and documents.
- CloseThe lender handles underwriting and closing. We stay available if you have questions about the deal.
Questions
Who funds these loans?
All funding comes from our network of independent lending partners. You apply once with us, and we match your deal to the partner and program that fit it best.
Can I use these loans for the home I live in?
No. These programs are for business and investment purposes only, such as flips, rentals, construction, and commercial property.
Do you get paid if my loan closes?
Yes. Ryan Has Money may be compensated by the lender when a loan funds. Ask the lender about all rates, points, and fees before you accept terms, and compare them with any other offers you have.
Will applying affect my credit?
The application asks you to estimate your score. Ask the lender how and when it checks credit before you agree to anything.
How fast can a loan close?
It depends on the program, the property, and how quickly you provide documents. The lender will give you a timeline after it reviews your deal.
Got a deal that needs funding?
One application covers double closes, fix and flips, DSCR rentals, bridge loans, new construction and commercial deals.
All programs are funded through our network of independent lending partners. Ryan Has Money may be compensated by the lender when a loan funds. Business-purpose loans only.