Business Purpose Loans for Real Estate Investors
Fast, Flexible Financing.
Close in Weeks, Not Months.
DSCR, Fix & Flip, and Lines of Credit tailored for real estate investors who need to move fast.
- Funding available in as little as 2 weeks with complete package
- Qualify on property cash flow, not personal income
- No personal income verification required
- DSCR, Fix & Flip, and Lines of Credit available
$500 Off Closing Costs - Submit by Feb 28
Submit by February 28 to receive $500 off closing costs
What Happens Next?
Flexible Loan Options to Meet Your Needs
Flipping homes has become very popular over the past years and we understand that flippers need options. We verify your credit and after improvements and provide purchase funds so you do not have to provide verification of your income or employment.
Save $500 on Closing Costs
Partner with Us to Fund Your Real Estate Investments
DSCR Rental Loans
- Loan Amounts up to $2M
- Up to 80% Loan to Value
- As low as 75% DSCR with 65% Max LTV
- Qualify on property cash flow, not personal income
- 30-year terms for stable, long-term holds
- Short-term & vacation rentals eligible
Fix & Flip Loans
- Loan Amount Per Project up to $2M
- Loan Terms up to 18 Months
- Bridge Loans up to 75% ARV
- Credit Score as low as 680 FICO
- Line of Credit options available
- Fast closings with complete underwriting package
Lines of Credit
- Line Amounts up to $5 Million
- Up to 80% LTC Available
- After-Repair Values (ARV) up to 75%
- 680 Minimum FICO
Ready to Get Started?
Our team of experienced loan consultants is here to help you find the right financing solution for your investment goals.
Why Repeat Investors Choose FMS
Built for investors who do this more than once. Our products are designed for speed, flexibility, and continuous deal flow.
Line of Credit Options
For new construction projects, our Lines of Credit provide flexible funding with credit good for 12 months. Move through projects efficiently with capital ready when you need it.
Qualify on Cash Flow, Not Personal Income
DSCR loans focus on the property's rental income vs. debt service - not your W-2 or tax returns. Ideal for self-employed investors and those scaling portfolios.
Flip-to-Rental Flexibility
Start with a Fix & Flip, then refinance into a 30-year DSCR rental loan when the numbers make sense. One lender for both strategies.
Investor Speed, Not Retail Timelines
Close in as fast as 2 weeks when submitting a complete underwriting package. We're built for investors who need to move fast on acquisitions.
Types of Properties We Fund
We fund a range of properties, from suburban rentals to urban condos and single family homes. Whatever the vision, we have the tools needed to help turn properties into extraordinary opportunities.
SFRs
Perfect for investors looking to build a rental portfolio with traditional single-family residences.
2-4 Units
Ideal for investors seeking small multifamily properties with strong rental demand.
5-8 Units
DSCR financing for larger multifamily properties to maximize rental income.
Condos
Great for investors targeting lower maintenance investment opportunities.
Why FMS Investor?
An Experienced Team with the Right Solutions
The FMS Investor Financing team has been through all types of markets and we are still providing loan solutions that investors can rely on. With more than 50 years of combined industry experience, we help clients resolve funding challenges, and build strong, long-term relationships.
Experience
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What to Expect
Our Process
When it comes to choosing a capital partner, speed, flexibility, and reliability are paramount for real estate investors. We pride ourselves on delivering all three. Our reputation as an industry leader is built on providing fast and dependable financing solutions.
Speed
Our fast turn times can help drive your success and loans can be approved for your use in as fast as two weeks.
Flexibility
We offer different products with a variety of term lengths so you can choose what works best for you and meet your financial goals.
Reliability
With competitive rates and a 21-day rate lock, we ensure stable capital is available when you need it.
Save $500 on Closing Costs
Your 2026 Advantage with FMS Investor
Start the new year with a capital partner built for repeat investors.
- $500 closing cost reduction when you submit by February 28, 2026
- Fast investor pre-approvals - many scenarios close in weeks
- DSCR rentals qualified on property cash flow, including short-term rentals
- Fix & Flip up to 75% ARV with high leverage on purchase + rehab
- Lines of Credit available for new construction - credit good for 12 months
- Ground-up construction solutions for experienced builders
- Tools to size offers, evaluate exits, and compress your timeline
Lock in $500 Off Closing Costs
Frequently Asked Questions
Ready to Get Started?
Fill out the form below and one of our investor loan consultants will reach out shortly.
$500 Off Closing Costs - Submit by Feb 28