Skip to main content
Ask Speedy

Residential investor financing.
1–4 units. Direct lenders only.

Source 1–4 unit residential investment property loans from pre-vetted direct lenders. DSCR, fix-and-flip, BRRRR, non-QM, hard money, bridge, HELOC, and owner-occupied business-purpose. Loans from $25k to $5M+, with same-day approvals on hard money and bridge.

Get on the marketplace Purchase, refi, or new development?
Residential · Live

Direct lenders

32

Loan range

$25k–$5M+

DSCR median rate

7.4%

Hard money median

10.8%

Fastest close

3 days

Doc tiers

Full · Low · No

Transactions

Three transaction types. Same package.

For purchase or refinance — including cash-out refinance — Speedy auto-routes the package to direct lenders matched to the deal profile.

Purchase

Acquisition financing — DSCR, fix-and-flip, hard money, bridge. Buy-side direct lenders pre-vetted.

Open

Refinance + cash-out

Rate-and-term and cash-out refinance. BRRRR investors pull equity to scale into the next deal.

Open

New development

Ground-up and mid-construction on 1–4 unit residential infill. Aka new construction. Draws by stage.

Open

Investor scenarios

What's available to source on the platform.

For purchase or refinance — direct lenders cover every common residential investor scenario.

DSCR loans

Qualify on rent, not income.

Fix-and-flip

Acquisition + rehab funding.

BRRRR

Buy, rehab, rent, refi, repeat.

Hard money

Speed over rate. Asset-secured.

Bridge loans

Gap-fill until stabilization.

Non-QM

Outside Fannie/Freddie box.

HELOC (owner-occupied)

Equity line on primary residence.

Owner-occupied business purpose

Home equity, business use.

Wholesale

Transactional + earnest money.

Portfolio loans

Multiple properties, one loan.

Seller financing

Including Morby + stack methods.

Creative structures

Combine the above. Get creative.

Property types covered

1 to 4 units. Every configuration.

Single Family

1 unit

Duplex

2 units

Triplex

3 units

Quadplex

4 units

Condo

Warrantable + non-warrantable

Townhome

Attached residential

SFR community

Build-to-rent portfolios

Land (residential)

Lot + new development

Doc tiers

Full doc / low doc / no doc — all live.

Full doc
Conventional, agency, bank
6.5–7.5%
Tax returns, paystubs, 2yr W2/1099 income
Low doc
DSCR, non-QM bank statement, asset-based
7–9%
Bank statements, rent rolls, asset verification
No doc
Hard money, private money, bridge
9–14%
Asset value drives underwrite — minimal borrower verification

Adjacent

Where residential investors scale.

Multifamily 5+

Where 1–4 unit investors graduate. Direct lenders for small-balance through agency.

Open

Commercial

Office, retail, industrial, hospitality. 5+ unit and beyond.

Open

Asset-based lending

When the property underwrites the loan. Cross-cuts hard money, bridge, private.

Open

FAQ

Residential, answered.

What counts as residential on the platform?
1-4 unit residential properties — single family homes, duplexes, triplexes, quadplexes, condos, and townhomes. The investor lens dominates (DSCR, fix-and-flip, BRRRR, non-QM). Owner-occupied scenarios are supported through HELOC and owner-occupied business-purpose products.
Can ISOs source DSCR loans for investment property?
Yes. 21 direct DSCR lenders are pre-vetted on the platform. Median rate 7.4%, 21-day close, no personal income required. Investment property DSCR is the highest-volume residential product.
Are fix-and-flip and BRRRR financing both available?
Yes. Direct hard-money lenders fund acquisition + rehab on fix-and-flip deals. BRRRR investors get sequenced financing — hard money on the buy, then DSCR or non-QM on the cash-out refinance after stabilization.
Does residential cover owner-occupied loans?
Yes — through HELOC against primary residence and owner-occupied business-purpose loans. Both let owners use home equity for business or investment purposes. The platform is investor-first but supports owner-occupied scenarios.
Are no-doc and low-doc residential loans available?
Yes. Full doc, low doc, and no doc tiers are all covered. DSCR is technically low doc (rent-based), private money is often no doc. Doc tier filters routing automatically.

Residential investor deals, sourced direct.

Get on the marketplace Back to RE overview

Updated 2026-05-10