What is a DSCR loan and how does it help investors?

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property rental income, not your personal income. If the property generates enough rent to cover the mortgage, you qualify — no W-2s or tax returns needed.

How fast can you close a fix-and-flip loan?

Our fix-and-flip loans typically close in 5-10 business days. We fund up to 90% of purchase plus rehab, with draw schedules for the renovation budget.

Do you fund first-time real estate investors?

Yes. While experienced investors may get better terms, we fund first-time flippers and rental property buyers. We evaluate the deal quality alongside borrower strength.

Can I refinance my existing rental portfolio?

Absolutely. DSCR refinance and cash-out programs are available for 1-8 unit properties. Pull equity from existing properties to fund your next acquisition.

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Financing for Real Estate Investors

DSCR loans, fix-and-flip, bridge financing, and construction loans. No income verification. Close deals in days, not months.

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No Obligation

No Collateral

2-Minute App

$485K

Avg. Funded Amount

92%

Approval Rate

5-10 days

Avg. Funding Time

1,650+

Investors Funded

Why Real Estate Investors Businesses Choose Slate Financial

In real estate investing, speed wins deals. Whether you are flipping houses, building a rental portfolio, or developing commercial properties, you need a capital partner who moves as fast as you do. Slate Financial offers DSCR loans, fix-and-flip financing, bridge loans, and construction loans designed specifically for real estate investors — with no personal income verification required.

Common Challenges

Banks require personal income docs and take 45+ days

Good deals go under contract in hours, not weeks

Rehab budgets need flexible draw schedules

Portfolio growth stalls without reliable capital access

Bridge gaps between short-term and permanent financing

How We Help

DSCR loans — qualify on property cash flow, not income

Fix-and-flip loans with fast closings and draw schedules

Ground-up construction financing with interest reserves

Commercial RE loans for multifamily and mixed-use

Lines of credit for down payments and earnest money

Common Funding Needs

What Real Estate Investors Businesses Use Capital For

Fix-and-flip acquisitions and rehab costs

Rental property purchases (DSCR qualification)

Bridge loans between acquisition and permanent financing

Ground-up construction projects

Portfolio refinancing and cash-out

Best Funding Options for Real Estate Investors

Matched to your industry's unique needs and cash flow patterns

DSCR Loans

$100K – $5M

14–21 days

Qualify based on property cash flow — not your personal income. Perfect for real estate investors.

No personal income verification Qualify on property cash flow 1–8 units

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Fix and Flip

$75K – $5M

5–10 business days

Fast, flexible financing for residential fix-and-flip projects with draws based on rehab completion.

Up to 90% of purchase + rehab Interest-only payments Draw schedule for rehab costs

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Ground Up Construction

$500K – $50M

2–4 weeks

Finance new construction projects from land acquisition through certificate of occupancy.

Land + construction financing Residential & commercial Interest reserve included

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Commercial Real Estate

$500K – $50M

2–4 weeks

Acquire, refinance, or cash-out on commercial properties with competitive rates and flexible terms.

Purchase & refinance Mixed-use, office, retail, industrial Non-recourse options

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Lines of Credit

$10K – $1M

24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use

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How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

States licensed

24hr

Funding speed

$50M

Max deal size

6,000+

Capital sources

FAQ

Real Estate Investors Funding Questions

Get Funded for Your Real Estate Investors Business

Join thousands of real estate investors businesses that trust Slate Financial. Apply in 2 minutes. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

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