Rental Property & Bridge Loan
Financing
Flexible financing for the purchase, refinance, and transition of rental and investment properties, including vacation rentals, rural properties, portfolio loans, and bridge financing.
- No Income Verification Required
- No Credit Pull Required
- Funding Available Nationwide
Strategy & Growth
Flexible Financing for Investment Properties
Every real estate investment strategy comes with unique financing needs. Whether you’re looking for long-term financing, funding for specialized investment properties, solutions for multiple-property portfolios, or short-term financing to bridge investment opportunities, choosing the right loan structure can make all the difference.
Investor Rehab Funding offers flexible financing solutions designed specifically for real estate investors, with programs tailored to a variety of property types and investment goals. Explore the options below to find the financing solution that best aligns with your next project.
Explore Our Financing Solutions
Choose the financing option that best supports your investment strategy.
30 Year Rental Property Financing
Designed for investors seeking long-term financing solutions for the purchase or refinance of non-owner-occupied rental properties. This program offers fixed-rate financing without traditional income verification requirements, making it easier for investors to grow their portfolios.
Key Highlights
- Loan amounts from $100,000 to $2,000,000
- No income or employment verification required
- Up to 80% LTV, depending on transaction type
- Available nationwide for eligible investment properties
- Available for both purchase and refinance transactions
- Minimum 660+ credit score required
- Approximately 30-day closing timeline
Funding is currently available nationwide except in MN, NV, ND, OR, SD, and VT.
Vacation & Short-Term Rental Financing
This program is designed for investors purchasing or refinancing vacation homes and short-term rental properties. For eligible Airbnb and VRBO properties, IRF may use short-term rental income estimators to help determine market rent potential.
Key Highlights
- Loan amounts from $200,000 to $2,000,000
- Up to 75% LTV for purchases and rate-term refinances
- Vacant properties may qualify
- Available for properties held personally or through a business entity
- 30-year financing available for purchase and refinance
- Cash-out refinance available up to 70% LTV
- No personal DTI calculations required
Rural Property Financing
Certain investment properties located in rural areas may qualify for financing through this program. Rural designation is generally determined by the property’s location and market classification during underwriting.
Key Highlights
- Minimum 660+ credit score required
- Available for eligible rural investment properties
- Subject to individual property review and approval
- Maximum 60% LTV
- Pricing determined on a case-by-case basis
Portfolio & Blanket Loans
Portfolio financing allows investors to finance multiple properties under a single loan structure, helping simplify paperwork and streamline portfolio management.
Key Highlights
- Minimum of 3 properties required
- Purchase and refinance options available
- Appraisal required for each individual property
- 30-year fixed-rate amortization available
- Minimum property value of $100,000 per property
- Subject properties may qualify using market rent analysis
- Loan terms based on credit profile, LTV, and DSCR calculations
Bridge Loan Financing
Bridge loans are short-term financing solutions designed for real estate investors who need to move quickly on an investment opportunity before securing long-term financing. They can be especially useful when purchasing a property that requires stabilization, refinancing an existing asset, or acquiring a new property before another one is sold.
Key Highlights
- Short-term financing for investment properties
- Interest-only payment options available
- Up to 75% Loan-to-Value (LTV)
- Fast closing timelines, often within 10–21 business days
- Potential to refinance into a 30-year rental loan once stabilized
- Available for purchase and refinance transactions
- Loan amounts from $100,000 to $2,000,000
- Minimum 660+ credit score recommended
- Designed for rental property investors seeking transitional financing
Guidelines
General Eligibility Guidelines
Please review the guidelines below to better understand the common requirements for rental property and bridge loan financing programs. Specific requirements may vary depending on the loan program and property type. Click the arrow next to each heading to expand the section and view the related requirements.
Borrower Qualifying Requirements
No foreclosures, short sales, or deeds in lieu within the past 3 years.
No bankruptcies within the past 36 months.
Any unpaid tax liens must be paid prior to or at closing.
Nine (9) months of reserve payments (PITIA) are required.
For purchase transactions, proof of down payment is required. No seasoning of funds is required.
Property Eligibility Requirements
Eligible property types may include single-family homes, townhomes, warrantable and non-warrantable condos, 2–4 unit properties, and certain multifamily properties.
Properties must generally be less than 5 acres in size. In some cases, properties may not exceed 2 acres.
Minimum property size requirement is 750 square feet.
Additional property-specific requirements may apply depending on the financing program.
Appraisal Requirements
Appraisal fees vary by market and are paid directly to the third-party appraisal company.
The appraisal fee is due at the time of complete file submission.
Appraisal costs typically range between $475 and $800.
Escrow Requirements
Escrow requirements may vary depending on the financing product selected.
Required Documentation
Purchase agreement for purchase transactions.
Articles of Organization or Articles of Incorporation.
Operating Agreement or Corporate Charter/Bylaws.
IRS-issued EIN letter for the borrowing entity.
Last two months of bank statements.
Statements for additional assets, if applicable.
Lease agreements and proof of rental income, where applicable.
Documentation relating to completed renovations, if required.
Prepayment Penalty Information
Existing guidelines outline a 5-year schedule: 5% in Year 1, 4% in Year 2, 3% in Year 3, 2% in Year 4, and 1% in Year 5.
Prepayment terms vary by program and should be reviewed before closing.
Additional Program Disclosures
Final approval and loan terms depend on the borrowing entity, property characteristics, and underwriting review.
Our Footprint
States We Fund In
Not all loan products are available in each state