Find The Best Real Estate Investor Programs... Fast & Free!
Let The Property Do The Qualifying...No Income Documentation!
Find The Best Real Estate Investor Programs...
Fast & Free!
Let The Property Do The Qualifying... No Income Documentation!
Real Estate Investors
Real estate investing is a powerful way to build wealth and secure your financial future. Whether you're looking to purchase, refinance, or access equity from your properties, real estate investor loans are designed to provide flexible financing solutions tailored to your needs. With options like DSCR loans and asset-based financing, these programs make it easier for investors to qualify and grow their portfolios.
Understanding DSCR Loans & Asset-Based Financing
A DSCR (Debt Service Coverage Ratio) Loan is a financing option that allows real estate investors to qualify based on the cash flow of the property rather than personal income. The DSCR is calculated by dividing the property's net operating income by its annual mortgage debt service.
Key Benefits of DSCR Loans:
No tax returns required.
Use rental income to qualify.
Credit scores as low as 650 accepted for most products. Our Fast50 loan does not have a credit score requirement.
Flexible options for short-term rentals, Airbnbs, and multifamily properties.
Financing available for corporations or LLCs.
Unlimited properties allowed in your portfolio.
These features make DSCR loans an ideal choice for seasoned investors and new entrepreneurs alike.
How Can Our Investor Programs Benefit You?
Our investor-focused loan programs are designed to simplify financing, offering:
Quick Approvals: Streamlined underwriting for faster closings.
Flexible Terms: Options for long-term fixed rates, interest-only payments, and short-term loans.
Tailored Solutions: Loans based on property income and value, not personal income.
Diverse Property Types: Financing for single-family homes, multifamily units, and short-term rentals.
Whether you’re looking to expand your portfolio, fund improvements, or refinance, our programs provide the tools you need to succeed.
Recent Mortgage Reviews
Recent Mortgage Reviews
Our Process For
Real Estate Investor Loans
Step 1 - Complete Our Quick & Easy Home Loan Quiz
In just 45 seconds, you’ll provide the basic info needed to start your mortgage journey—no hard credit pull or long forms required. It's a fast, simple way to see your options and take the next step toward your homeownership or refinance goals.
Step 2 - Book Your Free Investor Consultation
Scheduling your consultation is quick and easy—just pick a date, select a time, and confirm your contact info. In minutes, you'll be all set to chat with a mortgage expert who will guide you through your options and answer all your questions.
Step 3 - Get An Accurate Rate Quote & Term Sheet
Our investor approval process is designed to give you clear, accurate details from start to finish. First, we run a soft credit check (so your score stays unaffected) and gather info on your project. Next, we'll create a personalized financial breakdown using precise numbers based on your loan program and the property details.
Our Process For
Real Estate Investors
Step 1 - Complete Our Quick & Easy Home Loan Quiz
In just 45 seconds, you’ll provide the basic info needed to start your mortgage journey—no hard credit pull or long forms required. It's a fast, simple way to see your options and take the next step toward your homeownership or refinance goals.
Step 2 - Book Your Investor Consultation
Scheduling your consultation is quick and easy—just pick a date, select a time, and confirm your contact info. In minutes, you'll be all set to chat with a mortgage expert who will guide you through your options and answer all your questions.
Step 3 - Get An Accurate Rate Quote & Term Sheet
Our investor approval process is designed to give you clear, accurate details from start to finish. First, we run a soft credit check (so your score stays unaffected) and gather info on your project. Next, we'll create a personalized financial breakdown using precise numbers based on your loan program and the property details.
Michigan Mortgage Solutions Services
Michigan Mortgage Solutions Services
Things to Know About
Mortgage Lending
Not All Mortgage Providers Are Created Equal
When it comes to mortgage lending, not all providers offer the same level of service or access to loan options. Banks and direct lenders may only provide their own limited set of mortgage programs, which can restrict your ability to find the best terms for your financial situation. They also mainly work bankers hours which may hinder your ability to speak with your lender after hours or on the weekend.
In contrast, working with a mortgage broker can significantly expand your options. Brokers have access to a wide network of lenders, which allows them to shop for competitive interest rates and loan programs tailored to your unique needs. This flexibility often results in better terms, lower fees, and a more personalized experience compared to traditional lending institutions.
Plus, at Michigan Mortgage Solutions we make ourselves available after hours and on weekends when our clients need us. The majority or purchase deals usually happen after hours or on the weekend so this is key to making the best offer.
The Importance of Avoiding a Hard Credit Pull Too Early in The Pre-Approval Process
A common misconception in mortgage loans is that a hard credit inquiry is required to get pre-approved, but this isn’t always true. Experienced mortgage professionals can use soft credit pull data to estimate your eligibility without impacting your credit score. This approach prevents unnecessary hard inquiries, which can lower your credit score and trigger unwanted outreach from competing lenders who purchase trigger leads.
By waiting to authorize a hard credit pull until you're ready to lock in a rate, you not only protect your credit but also maintain control over your mortgage process without unnecessary distractions or sales pitches from other lenders.
Why Online Reviews Matter When Choosing a Mortgage Lender
Before committing to a lender, it's essential to research online reviews to understand their areas of expertise. Many lenders focus heavily on refinance loans, and their customer service for home purchases—especially for first-time buyers—may not be as seamless.
If most reviews highlight positive experiences with refinancing but have limited mentions of purchase transactions, it could indicate a less-than-ideal fit for someone navigating the complexities of buying their first home. Look for reviews that mention successful purchases, responsiveness, and support throughout the home-buying process. This due diligence helps ensure you choose a lender experienced in your type of loan, leading to a smoother and more satisfying mortgage experience.
Work with Michigan Mortgage Solutions
At Michigan Mortgage Solutions, we’re dedicated to helping you navigate the mortgage process with ease and confidence. Our team combines years of expertise with a client-first approach to find the best mortgage program for your unique financial situation. Whether you're a first-time homebuyer or looking to refinance, our goal is to simplify the lending experience and secure the best terms for you.
We invite you to schedule a free home loan consultation to discuss your options and take the first step toward achieving your homeownership goals. Let us show you how personalized service and expert guidance can make all the difference in your mortgage journey.
Everything You Need to Know About Our Real Estate Investor Programs
Things to Know About Real Estate Investor Loans
The FlexTerm Loan
Customized loans to meet the individual needs of each investor. Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.
No Appraisal Required: Skip the home appraisal process, even if your property value has declined.
Reduced Documentation: Minimal paperwork is required, simplifying the process.
Lower Interest Rates: Potentially secure a lower rate to reduce your monthly payments.
No Income Verification: Streamlined requirements mean less hassle for borrowers.
Flexible Credit Requirements: Ideal for borrowers who may not qualify for conventional refinancing options.
ARV Pro Loan Fix-And-Flip Financing
The best short-term solution for acquiring and improving property value. Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV).
Allows borrowers to finance improvements.
Great for borrowers who need a quick close.
An interest-only 1-year term provides lower monthly payments.
A higher LTV than hard money lenders.
The Flex I/O Loan
A short-term interest-only loan program. Designed for investors seeking short-term financing with no prepay penalties.
An interest-only, 24-month term provides lower monthly payments.
Available for purchase or cash-out refinance.
Perfect for acquiring or leveraging real estate holdings.
A higher LTV than most hard money options.
The Fast50 Loan
A low LTV loan with easy credit requirements. Designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.
Streamlined underwriting.
No seasoning of ownership required.
Improved pricing compared to our FlexTerm program.
Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
Our alternative asset-based mortgage programs are designed for self-employed real estate investors and small business owners because we believe they are instrumental in building thriving communities where people can live, work, and play.
Work with Michigan Mortgage Solutions
At Michigan Mortgage Solutions, we specialize in helping Investors find the financing they need without unnecessary documentation. Our experienced team will guide you every step of the way, ensuring a smooth and stress-free lending experience.
Schedule a free consultation today to see how our Investor Loan Programs can help achieve your financial goals. Let us simplify the process and provide expert support tailored to your unique situation.
Real Estate Investor FAQ's
Frequently Asked Questions About Our Investor Programs
Real Estate Investor FAQ's
Q: How is the DSCR calculated?
A: The DSCR is calculated by dividing the property's annual net operating income by its annual mortgage debt service.
Q: Can I use a DSCR Loan to refinance an existing rental property?
A: Yes, DSCR Loans are ideal for both purchasing new rental properties and refinancing existing ones.
Q: What is the minimum DSCR required to qualify?
A: A minimum DSCR of 1.0 is typically required, but we offer programs supporting DSCRs as low as 0.75.
Q: What documentation is needed for a DSCR Loan?
A: Proof of the property's income and expenses, such as rent rolls and operating statements, is typically required.
Q: Are there restrictions on property types for DSCR Loans?
A: DSCR Loans are available for single-family homes, multifamily properties, and even commercial real estate.
Q: Can DSCR loans fund short-term rentals like Airbnbs?
A: Yes, DSCR loans can be used to finance short-term rental properties, including Airbnbs.
Q: Can I fund properties under a corporation or LLC?
A: Absolutely, DSCR loans allow properties to be financed under a corporation or LLC.
Contact Us
Service Hours
Social Media
Monday - Friday: 9:00 AM - 6:00 PM
Saturday: 9:00 AM - 12:00 PM
Sunday: Closed
More Locations We Serve
All Rights Reserved Corporate NMLS 136972
Contact Us
(248) 963-1894
35 W Huron St #301
Pontiac, MI 48342
Service Hours
Monday - Friday: 9:00 AM - 6:00 PM
Saturday: 9:00 AM - 12:00 PM
Sunday: Closed
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