Loan programs

Investor Loan Programs, Compared in Plain English

Real estate investors usually use one of five business-purpose loan types: ground-up construction to build, fix-and-flip to renovate and sell, bridge and rehab to buy or reposition short term, DSCR rental loans to hold rentals long term, and multifamily financing for apartments. All are offered by independent lenders and subject to their underwriting.

Submit Your Loan Scenario Compare Programs

REI Capital Consulting LLC is not a direct lender. Financing is provided by independent third-party lenders. Programs are subject to lender underwriting and approval.

Choose by project

Explore potential programs for your project

Ground-Up Construction

Who it’s for: Experienced builders and investors
Project type: New 1–4 unit residential construction on purchased or owned land
Typical use: Fund land, hard costs, and interest reserves for a new build
Key eligibility point: Prior construction experience is generally required

Ground-Up Construction details

Fix & Flip

Who it’s for: Investors buying to renovate and resell, including some first-time flippers
Project type: Non-owner-occupied single-family purchase and rehab
Typical use: Cover the purchase and some or all of the renovation budget
Key eligibility point: Business-entity borrower; not available in every state

Fix & Flip details

Bridge & Rehab

Who it’s for: Investors who need short-term capital to buy, reposition, or refinance
Project type: 1–4 unit residential acquisition, rehab, refinance, or qualifying cash-out
Typical use: Bridge to a sale or to long-term financing after the work is done
Key eligibility point: Rehab funds are usually released in draws after work is completed

Bridge & Rehab details

DSCR Rental

Who it’s for: Landlords and buy-and-hold investors
Project type: Stabilized or soon-to-be-rented non-owner-occupied rentals
Typical use: Buy a rental, refinance a finished rehab, or pull cash out
Key eligibility point: Qualification leans on the property’s rent versus its debt payment

DSCR Rental details

Multifamily

Who it’s for: Investors acquiring, repositioning, or building apartment properties
Project type: Small and larger multifamily, and mixed-use where eligible
Typical use: Acquisition, bridge, rehab, construction, refinance, or cash-out
Key eligibility point: Terms depend heavily on the property, its income, and sponsor experience

Multifamily details

Side by side

Program comparison

General characteristics only. Leverage, rates, and eligibility are set by each lender and change over time.

Comparison of investor financing program types
Program	Best for	Typical use	Loan structure	Watch for
Ground-Up Construction	Experienced builders and investors	Fund land, hard costs, and interest reserves for a new build	Short-term, draw-based; interest reserves may be available	Prior construction experience is generally required
Fix & Flip	Investors buying to renovate and resell, including some first-time flippers	Cover the purchase and some or all of the renovation budget	Short-term, often interest-only	Business-entity borrower; not available in every state
Bridge & Rehab	Investors who need short-term capital to buy, reposition, or refinance	Bridge to a sale or to long-term financing after the work is done	Short-term; interest reserves where available	Rehab funds are usually released in draws after work is completed
DSCR Rental	Landlords and buy-and-hold investors	Buy a rental, refinance a finished rehab, or pull cash out	Long-term amortizing; interest-only periods may be available	Qualification leans on the property’s rent versus its debt payment
Multifamily	Investors acquiring, repositioning, or building apartment properties	Acquisition, bridge, rehab, construction, refinance, or cash-out	Varies by loan type	Terms depend heavily on the property, its income, and sponsor experience

Information last reviewed: November 2, 2026

Important: we are not the lender.

REI Capital Consulting LLC is not a direct lender. Financing is provided by independent third-party lenders. Submitting information does not constitute an application approval, loan approval, commitment to lend, or guarantee of financing. All programs are subject to lender underwriting, due diligence, borrower eligibility, property eligibility, licensing requirements, geographic availability, and change without notice. Business-purpose financing only. Programs shown are intended for non-owner-occupied investment properties unless expressly stated otherwise.

COGO Capital and Realty Capital Financial are independent companies. References to their published programs are for informational comparison only and do not imply endorsement, sponsorship, or partnership status beyond what those companies have agreed to in writing. All trademarks belong to their owners.

Read all disclosures

Have a Deal to Finance?

Send us the basic project details. We’ll review the scenario and identify potential next steps.

Submit My Loan Scenario Get the Free Checklist

REI Capital Consulting LLC is not a direct lender. Financing is provided by independent third-party lenders. Programs are subject to lender underwriting and approval.