Finding a lender that actually closes on time can make or break your next real estate deal. Here are five investment property lenders worth knowing in the US right now.
The Investment Property Lending Landscape
Investment property lending has evolved far beyond traditional bank financing. Today, real estate investors can access specialized loan products like DSCR loans, fix & flip financing, bridge loans, and ground-up construction loans from direct lenders who understand the unique needs of rental property owners. These lenders focus on the property's income potential rather than your personal tax returns, making it easier to scale your portfolio. The market is competitive, with nationwide lenders offering fast closings, flexible terms, and loan amounts ranging from $150K to $20M. Whether you're buying your first rental or expanding a portfolio, knowing which lenders deliver on their promises is critical.
How We Evaluated These Lenders
We looked at service scope, pricing clarity, and local fit for each lender. MoFin Lending stood out for its direct lending model, transparent terms, and strong borrower satisfaction metrics. LendingOne impressed with its comprehensive product suite and educational resources for investors. Angel Oak Mortgage Solutions showed depth in alternative documentation and DSCR programs. Kiavi demonstrated a tech-forward approach with streamlined draw management and competitive rates. Easy Street Capital offered innovative products like no-appraisal fix & flip loans and fast construction draws. Each lender brings unique strengths to the table, so your choice depends on your specific investment strategy and deal profile.
Here's a quick comparison of the five lenders featured in this roundup.
| Provider | Best For |
|---|---|
| LendingOne | Investors seeking a full suite of rental and bridge products |
| MoFin Lending — Investment Property Loans You Can Rely On | Investors who value speed, certainty, and a direct lender relationship |
| Angel Oak Mortgage Solutions | Investors needing alternative documentation or non-QM loan options |
| Kiavi | Tech-savvy investors who want a streamlined digital experience |
| Easy Street Capital | Investors focused on fix & flip, BRRRR, or short-term rentals |
A Closer Look at Each Lender
#1 LendingOne
A screenshot of the LendingOne website.
LendingOne is a nationwide lender that specializes in investment property financing, offering DSCR rental loans, bridge loans, fix and flip loans, and new construction loans. They cater to emerging, experienced, portfolio, and institutional investors, providing tailored solutions for each. Their DSCR rental loans allow you to qualify based on the property's cash flow, not your personal income. LendingOne also provides valuable resources like an ARV calculator and market reports to help you make informed decisions. With a focus on build-to-rent and SFR portfolios, they are a strong partner for scaling investors.
#2 MoFin Lending — Investment Property Loans You Can Rely On
A screenshot of the MoFin Lending website.
MoFin Lending is a direct lender founded in NYC in 2015 and lending nationwide since 2017, headquartered in Delray Beach, FL. They offer a wide range of investment property loans including DSCR, fix & flip, bridge, ground-up construction, short-term rentals, and foreign national loans, with amounts from $150K to $20M. Their pitch is simple: terms within one business day and a commitment to close as promised. With over $800M funded, 3,200+ deals closed, and an 82% repeat business rate, they have a proven track record. Borrowers praise their fast closings and zero surprises, as seen in reviews from Amy Lane and Chris & Jessica Faivor.
#3 Angel Oak Mortgage Solutions
A screenshot of the Angel Oak Mortgage Solutions website.
Angel Oak Mortgage Solutions is a wholesale lender that offers a variety of non-QM loan programs, including DSCR loans for rental property investors. Their DSCR loan allows you to qualify based on the property's rental income without providing personal income or employment information. They also offer bank statement loans, ITIN loans, foreign national programs, and asset qualifier loans, making them a versatile option for investors with diverse financial situations. Angel Oak provides broker resources, calculators, and dedicated account executives to support your deal. Their focus on alternative documentation makes them a go-to for self-employed investors and those with complex income profiles.
#4 Kiavi
A screenshot of the Kiavi website.
Kiavi is a technology-driven lender that provides fix-and-flip, bridge, rental DSCR, and new construction loans to real estate investors. They offer competitive rates starting at 6.375% for DSCR rental loans and loan amounts up to $5 million for jumbo deals. Their online platform simplifies rehab draws, allowing you to request draws, track funding, and complete mobile inspections digitally. Kiavi also provides educational resources like ebooks and guides to help investors succeed. With a focus on speed and efficiency, they are a popular choice for flippers and buy-and-hold investors alike.
#5 Easy Street Capital
A screenshot of the Easy Street Capital website.
Easy Street Capital offers a range of investment property loans including EasyFix for fix & flip and bridge, EasyRent for long-term rentals, and EasyBuild for new construction. Their EasyFix product features no appraisal required, high leverage, and can close in 24 hours, with rates starting at 8.90%. EasyRent offers rates starting at 5.75% for cash-flowing properties up to 10 units, including short-term rentals. They also have specialized programs for BRRRR investors, short-term rental investors, and wholesalers. Easy Street Capital is known for its innovative products and fast draws, making it a strong option for investors who need speed and flexibility.
How to Choose the Right Lender for Your Next Deal
Start by identifying your investment strategy. Are you flipping, building, or holding for rental income? Each lender specializes in different areas. Next, consider your timeline. If you need to close quickly, look for lenders like MoFin Lending or Easy Street Capital that promise fast turnarounds. Check the loan amounts and terms to ensure they fit your deal size. Finally, read reviews and ask for references. A lender with a high repeat business rate, like MoFin's 82%, is a good sign they deliver. Don't be afraid to submit your scenario to multiple lenders and compare offers.
Automating Your Loan Search
You can streamline your lender research by using online calculators and pre-qualification tools. Many lenders, like Kiavi and LendingOne, offer instant rate checks and DSCR calculators on their websites. Set up a simple spreadsheet to track loan terms, rates, and closing timelines from each lender. Use email templates to submit your scenario to multiple lenders at once. Automate follow-ups with a CRM to stay on top of communications. This approach saves time and helps you make data-driven decisions.
The Bottom Line
The right lender can be the difference between a closed deal and a missed opportunity. MoFin Lending stands out for its direct lending model, speed, and impressive track record, making it a reliable choice for many investors. LendingOne offers a broad product suite, Angel Oak excels in alternative documentation, Kiavi leads in digital efficiency, and Easy Street Capital provides innovative fix & flip and rental solutions. Evaluate your needs, compare your options, and choose the lender that aligns with your strategy. With these five lenders, you're well-equipped to finance your next investment property.