Residential investment property purchase loans.

Source 1–4 unit residential investment property purchase financing from pre-vetted direct lenders. DSCR (qualify on rent), hard money (3-day close), bridge, fix-and-flip, BRRRR acquisition, non-QM, and owner-occupied business-purpose. Loans from $25k to $5M+. Same-day approvals on hard money and bridge.

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Why source residential purchase deals here

Direct lenders. Pre-vetted. Performance public.

Direct lenders only

No broker middlemen on the vendor side. Funding history, capital source, and licensure verified before access.

Same-day approvals available

14 direct lenders offer same-day approvals on hard money and bridge. Critical for distressed deals, foreclosure, and time-sensitive contracts.

Your client stays yours

White-labeled communication. Borrower never sees Speedy or the lender directly. Your brand, your relationship, your renewal.

Performance leaderboard

Time-to-close, approval rate, average rate visible per lender. Easy to spot who actually funds your deal type.

Purchase products

Eight ways to fund the buy.

Direct lenders cover every common residential investor purchase scenario. Click through for details on each product.

DSCR purchase

Qualify the property on rent — no personal income tax returns required. 7.4% median rate, 21-day close.

Hard money

Speed-first asset-based purchase. 3-7 day close. Up to 90% purchase + 100% rehab on flips.

Bridge

Acquire before stabilization. Refinance to perm after value-add. 12-24 month terms.

Fix-and-flip purchase

Acquisition + rehab in one loan. ARV-based underwriting. Interest-only during rehab.

BRRRR acquisition

Hard money on the buy + DSCR refi at stabilization. Sequenced for the BRRRR strategy.

Non-QM

Outside Fannie/Freddie box. Bank statement, asset depletion, foreign national qualification.

Wholesale + transactional

Double-close funding for A-to-B-to-C deals. Earnest money funding available.

Owner-occupied (business)

Buyer occupies, but loan is for business purpose. Distinct from consumer mortgage.

Side-by-side

Compare residential purchase products.

Rates, speed, LTV, doc tier — at a glance.

Product	Best for	Rate	Max LTV	Speed	Doc
DSCR	Long-term rentals	6.5–8.0%	80%	21–30 d	Low
Hard money	Fix-and-flip, distressed	10–13%	90% / 100% rehab	3–7 d	No
Bridge	Pre-stabilization acquisition	8.5–11%	75%	7–14 d	Low
Fix-and-flip	Renovation + resale	10–12%	80% LTC	7–14 d	No / Low
Non-QM	Outside Fannie box	7.5–9.5%	80%	21–30 d	Low
BRRRR sequence	Buy + rehab + rent + refi	mixed	mixed	60–90 d total	mixed
Wholesale (transactional)	Double-close A-to-B-to-C	2–3% flat	100%	same day	No

Eligible scenarios

Deals our direct lenders will price.

No credit / low credit

Asset-based hard money and private money lenders underwrite to property value, not credit. Common at 10–14% rate, 65–75% LTV.

Investment property (LLC titled)

DSCR, hard money, bridge, non-QM all accept LLC-titled purchases. Anonymity and asset protection without losing financing access.

Owner-occupied business purpose

Buyer occupies but loan is for business purpose (e.g. STR, ADU rental). Distinct from consumer mortgage. Less doc, faster close.

Emergency / bailout scenarios

Distressed sellers, foreclosure auctions, partner buy-outs, default rescue. Same-day approvals from 14 direct lenders.

International buyers

Foreign national programs available. Non-QM and private money lenders quote based on assets and rental income. ITIN-acceptable.

BRRRR sequenced funding

Hard money on acquisition, rehab draws during, then DSCR cash-out refi at stabilization. One ISO, two fundings, two commissions.

FAQ

Residential purchase, answered.

What's the fastest closing on a residential investment purchase?

Same-day approvals on hard money. 3-day closes on bridge for distressed acquisition. 7-14 day average for hard-money fix-and-flip purchases. DSCR purchase typically 21-30 days.

Can a buyer with no credit history get a purchase loan?

Yes. Asset-based hard money lenders underwrite to the property value, not the borrower. No-credit and low-credit purchase loans are available — typically 10-14% rate range, 65-75% LTV, 12-month terms.

What loan types work for fix-and-flip acquisitions?

Hard money loans dominate fix-and-flip. Direct hard-money lenders fund acquisition + rehab — typically up to 90% of purchase + 100% of rehab costs, 12-18 month terms, interest-only. ARV (After-Repair Value) underwriting.

Can investors purchase under an LLC?

Yes. DSCR, hard money, bridge, and non-QM lenders all accept LLC-titled investment property purchases. Owner-occupied loans typically require personal title. Document tier filters by entity structure automatically.

Is wholesale + transactional funding available for double-closes?

Yes. Direct transactional lenders fund A-to-B closes (buy from seller, sell to end buyer same day). Earnest money funding also available — typically 1-2% of contract price, 30-60 day terms.

How are vendors qualified for residential purchase deals?

Every direct lender is verified before access. Funding history, capital source, licensure (where required), and references checked. Performance is tracked publicly: time-to-close, approval rate, average rate. Underperformers lose access to deal flow.

Concepts that move every purchase.

Asset-based lending

How to qualify

Time to close

Deal math

Source residential purchase deals direct.

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Updated 2026-05-10