REP Financial

Providing Unlimited Possibilities

LOAN PROGRAMS FOR REAL ESTATE INVESTORS

Fast. Flexible. Investor-Focused Funding for Every Strategy.

At REP Financial, we match real estate investors with the right funding — even when traditional lenders say no. Whether you’re flipping, building, refinancing, or scaling your rental portfolio, you’ll find a loan program designed to help you move quickly and confidently.

The following financing types represent common capital strategies available through third-party lenders. Availability, terms, and underwriting criteria are determined solely by the capital provider. REP Financial does not set rates or terms and does not make credit decisions.

Fix & Flip / Rehab Loans

Designed for investors, flippers, and contractors who need fast capital for acquisition and renovation.

Ideal For:

  • Fix & Flip projects

  • BRRRR strategies

  • Cosmetic or full-gut rehabs

  • Auction/cash-only purchases

Highlights:

  • Closings in as little as 5–10 days

  • Up to 70–85% of purchase + rehab

  • LTC and ARV-based programs

  • Interest-only payments

  • Experience not required

  • Foreign nationals allowed

What Lenders Will Need:

  • Business Entity preferred

  • Purchase contract

  • Rehab budget & scope of work

  • Photos or inspection

  • Bank statements

  • Photo ID

Bridge Loans (Acquisition or Short-Term Financing)

Perfect when you need temporary capital before selling, refinancing, or stabilizing a property.

Ideal For:

  • Short-term holds

  • Deals you’ll refinance into a DSCR loan

  • Properties needing seasoning

  • Cross-collateral deals

Highlights:

  • Close in days

  • Lower documentation

  • 6–24 month terms

  • Flexible credit requirements

  • Can combine with gap/JV funding options

A crack is shown in an white background with a $100 bill set over as a bridge.

red dice with Buy / Sell / Hold sidesDSCR Loans (Buy & Hold Investors)

30-year fixed rental loans with no income verification.

Ideal For:

  • Single-family rentals

  • Long-term rentals

  • Short-term rentals (Airbnb/STR)

  • Portfolio refinances

  • Cash-out refinances for seed capital

Highlights:

  • No tax returns

  • No DTI requirements

  • DSCR down to 0.75 (sometimes lower)

  • 20–25% down

  • Fast approvals

  • Can be used to reinvest into new acquisitions

Lender Requirements:

  • 620–680+ credit (tier dependent)

  • Lease agreement or market rent comps

  • Property insurance

  • Entity formation

Commercial & Mixed-Use Loans

For investors and business owners expanding into commercial assets.Commercial street near a large glass Apartment Building

Ideal For:

  • Mixed-use buildings

  • Retail

  • Office

  • Light industrial

  • Warehouses

  • Self-storage facilities

Highlights:

  • Value-add options

  • Up to 75% LTV depending on asset

  • Flexible documentation

  • DSCR and NOI-driven approvals

Construction Loans (Spec Homes & Ground-Up Builds)

From site prep to vertical construction — funding for builders and investors.

Ideal For:

  • Spec homes

  • Infill development

  • Small subdivisions

  • Investor builders

A man with a white hard hat holding a clipboard, inspect house

Ideal For:

  • Spec homes

  • Infill development

  • Small subdivisions

  • Investor builders

Highlights:

  • Horizontal + vertical financing options

  • No-experience builder programs available

  • Up to 65–80% LTC depending on project

  • Controlled draw schedules

  • Fast approvals

  • GC or builder resume required (or partner provided)

Small green plant growing from a bunch of cent coins

 

Land Loans (Improved or Unimproved)

For investors acquiring or refinancing land with short-term or development-focused options.

Ideal For:

  • Land banking

  • Future construction

  • Subdivision planning

  • Site development

Highlights:

  • 12–36 month terms

  • Competitive interest-only structures

  • Flexible credit requirements

  • Up to 50–60% LTV (improved), 40–50% (raw)

Business investor stacking coins with house and percentage icons, property investment, mortgage interest, financial growth, savings plan, real estate returns and long term wealth management strategy.

 

Portfolio Loans

Bundle multiple rentals into a single loan — ideal for scaling investors.

Ideal For:

  • Investors with 5+ doors

  • SFR, duplexes, quads

  • Mixed rental portfolios

Highlights:

  • 5–10 year terms

  • 30-year amortization

  • DSCR-based

  • Cash-out options

  • Lower blended rates

Two hands holding two puzzle pieces to form the word PARTNERSHIP.

 

JV Funding & Creative Capital Solutions

For deals where traditional or private loans fall short.

Ideal For:

  • Low liquidity borrowers

  • Equity-rich deals

  • Contractors becoming investors

  • Investors needing gap funding

Options Include:

  • Joint venture structuring

  • Equity partners

  • Cross-collateralization

  • Seller financing combined with private money

  • Business credit strategies

  • Affiliate partner credit-building tools

Marijuana Cannibis Plants In Pots

 

Cannabis Click here

Private-capital financing solutions for licensed cannabis, hemp, and cannabis-adjacent businesses. Funding options may include real estate loans, sale-leasebacks, equipment financing, and expansion capital—structured for compliance and subject to state regulations and lender underwriting.

Ready to fund your next deal?

Start with a simple, 7-question Deal Snapshot using our Loan Intake form to Get Options or Schedule a Call