Real Estate Investor Loan FAQ
What types of loans does Quick Real Estate Funding offer to real estate investors?
Quick Real Estate Funding provides business-purpose financing exclusively for real estate investors and developers. Loan options include hard money loans, fix and flip financing, DSCR rental loans, bridge loans, and ground-up construction financing for non-owner-occupied residential and commercial properties.
These loan products are designed to support acquisition, renovation, refinancing, and portfolio growth strategies.
What is a hard money loan and when should investors use one?
A hard money loan is a short-term, asset-based loan that focuses on the property value, project viability, and exit strategy rather than personal income or traditional underwriting metrics.
Investors typically use hard money loans for:
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Fix and flip projects
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Distressed or value-add properties
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Time-sensitive acquisitions
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Properties that do not qualify for bank financing
Hard money loans are best suited for investors who need speed, flexibility, and execution certainty.
How quickly can investors close with private or commercial financing?
Closing timelines depend on the property and transaction structure, but investor-focused financing is designed to move significantly faster than traditional bank loans.
Many real estate investors use private or commercial lending to:
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Compete with cash buyers
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Secure off-market opportunities
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Meet aggressive contract deadlines
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Avoid delays caused by bank underwriting
Speed is often a critical advantage in competitive real estate markets.
What is a DSCR loan and how does it work for rental properties?
A DSCR (Debt Service Coverage Ratio) loan is a long-term financing option for rental properties that evaluates the loan based on property cash flow rather than personal income.
If the rental income supports the mortgage payment, the loan may qualify regardless of the borrower’s tax returns or employment income. DSCR loans are commonly used by:
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Rental property investors
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Portfolio landlords
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Investors scaling beyond traditional loan limits
These loans are ideal for long-term holds and income-producing properties.
Can investors use hard money first and then refinance into a DSCR loan?
Yes. Many experienced investors follow a strategy where they:
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Use hard money financing to acquire and renovate a property
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Stabilize the property with tenants
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Refinance into a DSCR loan for long-term ownership
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Recycle capital into the next investment
This approach allows investors to scale efficiently without continually injecting new cash.
Do you finance both residential and commercial investment properties?
Yes. Financing is available for non-owner-occupied residential and commercial real estate, including:
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1–4 unit residential investment properties
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Small multifamily properties
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Mixed-use and select commercial assets
All loans are business-purpose only and designed for real estate investment use.
Why do many investors choose private or commercial lenders instead of banks?
Traditional banks are often slow, rigid, and not structured to support investor execution. Common challenges include:
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Long approval timelines
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Strict income documentation
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Property count limitations
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Limited flexibility for renovations or repositioning
Private and commercial lenders focus on strategy, asset performance, and execution, allowing investors to move faster and scale more effectively.
Who is the right fit to work with Quick Real Estate Funding?
Quick Real Estate Funding works best with:
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Active real estate investors
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Fix and flip operators
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Rental property owners
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Developers and portfolio builders
It may not be a fit for:
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Owner-occupied properties
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Personal or consumer loans
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Primary residence financing
Clear alignment ensures better outcomes for both the investor and the project.