First-time investor
- Credit 660–69970% LTV
- Credit 700–71975% LTV
- Credit 720+80% LTV
Purchase · Direct lender · Soft credit pull
Investment Property Acquisition Loans close in 9–15 days
You found the deal. The seller is not waiting on a bank.
We underwrite the property, not your pay stubs. No income verification. No appraisal wait. No committee. Direct lender. Our own capital. Real terms in 5 minutes.
- 5 min
- Terms
- 4 hrs
- Decision
- 48 hrs
- Fastest fund
- 9-15 days
- Typical close
Underwriting
How much can you borrow on a purchase?
Your maximum leverage depends on the loan type, property, credit profile, and investment experience. For qualifying purchases, the highest leverage options may require little or no down payment.
1–2 projects
- Credit 660–69975% LTV
- Credit 700–71980% LTV
- Credit 720+85% LTV
3–5 projects
- Credit 660–69980% LTV
- Credit 700–71985% LTV
- Credit 720+90% LTV
6–9 projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+93% LTV
10+ projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+95% LTV
If you are buying to hold for rent, this grid does not apply. That deal routes to DSCR, which prices on the property's income — up to 80% LTV on a single-family non-owner-occupied purchase, and 70% on commercial.
The full 100% LTC advance sits on Fix & Flip: 3+ completed projects and a loan of $1,000,000 or less.
Credit below 660? Your property still matters.
The experience grid starts at 660.
Below that score we look more closely at the property type and the strength of the deal. The asset carries more of the risk.
- Multifamily80%
- Retail70%
- Single-family90%
- Industrial65%
- Storage65%
- Mixed-use65%
- Office60%
- Hospitality60%
- Land55%
Are you an ITIN or foreign-national investor?
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
First deal, zero completed projects?
First-time investors can qualify — zero completed projects does not automatically exclude you. See our first-time real estate investor loans guide for the applicable experience and credit tiers, including the DSCR path, which does not require prior investment experience.
Why buy with CR Equity AI
The decision sits with us. You get a number you can take back to the seller.
Soft credit pull only. No hit to your score to get terms.
01
We lend our own capital
The decision is ours. No broker chain, no file shopped to a marketplace.
02
We underwrite the asset
The property and your track record set the number, which is what makes this work when you're self-employed and a bank can't read your returns.
03
No appraisal wait
AIVAA™ values the property in minutes instead of scheduling a $2,500-$5,000 appraiser three weeks out.
04
Soft credit pull to price it
You see a real number before anything touches your credit file.
Investment property acquisition from a direct lender
You found the deal. The seller is not waiting on a bank.
We underwrite the property, not your pay stubs. No income verification. No appraisal wait. No committee. Direct lender. Our own capital. Real terms in 5 minutes.
- Typical close
- 9–15 days
- To real terms
- 5 minutes
- Income verification
- None required
- Max LTV
- Up to 95% on Bridge, set by projects completed and credit score. Single-family non-owner-occupied Bridge is capped at 90%. Holding for rent (DSCR) reaches up to 80% LTV on single-family non-owner-occupied and 70% on commercial assets. 100% LTC is reserved for qualified Fix & Flip only.
- Term
- Up to 24 months of bridge, then up to 36 months of stabilization — no new application between the two.
- Collateral
- All commercial asset types except RV and trailer parks
- Minimum Loan
- $100,000
Who qualifies
Business-purpose acquisitions on commercial and non-owner-occupied residential property.
| Status | Situation |
|---|---|
| Eligible | Investors purchasing a property they do not currently own |
| Eligible | Entity and LLC borrowers using financing for a business purpose |
| Eligible | Eligible Fix & Flip, Bridge, and investment-property transactions |
| Eligible | Multifamily, mixed-use, retail, industrial, storage, hospitality, and single-family non-owner-occupied properties, subject to program guidelines |
| Eligible | First-time investors — up to 80% LTV based on the applicable credit tier |
| Eligible | Experienced investors — higher leverage may be available based on the applicable experience-and-credit tier |
| Eligible | Investors with a credible exit strategy or repayment plan |
| Not eligible | RV parks and trailer parks |
| Not eligible | Consumer-purpose loans or owner-occupied primary residences |
| Not eligible | Loans under $100,000 |
| Not eligible | Transactions without a credible exit or repayment plan |
| Not eligible | Properties or transactions that do not meet applicable program guidelines |
ITIN and foreign-national investors are a borrower type, not this loan type. See ITIN & foreign national loans.
When acquisition financing fits
The seller gave you 14 days
You found the deal and the seller isn't waiting on a bank.
Your 1031 clock is running
Close in 9–15 days.
Portfolio purchase across multiple addresses
Buy investment and commercial property with a direct lender.
Auction or foreclosure takeout
No income verification, no appraisal delay, no committee.
Self-employed buyer a bank won't underwrite
We underwrite the property, not your pay stubs — no income verification.
Frequently Asked Questions
Straight answers on LTV, speed, and what we ask for.
No. We underwrite the property and your track record. There is no income verification.
A soft credit pull places you on the LTV table. There is no hard pull to get a quote.
Up to 95% on Bridge, set by completed projects and credit. A sponsor with ten or more projects and a 720+ score can reach 95%. Single-family non-owner-occupied Bridge is capped at 90%.
If you hold the property for rent, it routes to DSCR: up to 80% LTV on single-family non-owner-occupied and 70% on commercial. Below 660 on Bridge we price off the asset class. 100% LTC is only on qualified Fix & Flip (3+ completed projects, loan $1,000,000 or less).
Typical purchase close is 9–15 days. Faster when title and valuation are clean.
The application takes two minutes.
Stabilization can run up to 36 months after the bridge, with no new application.
The exit is part of the structure. Talk to us and we will walk through the terms for your deal.
Yes. Entity and LLC borrowers are eligible.
All loans are business-purpose. We do not lend on an owner-occupied primary residence.
$100,000, subject to program eligibility.
ITIN and foreign national investors are a borrower type, not this loan type.
Their published program is DSCR and full documentation for investment property and second homes.
If you are buying a rental to hold, including a short-term rental, DSCR sizes the loan on net operating income instead of your tax return.
Get purchase terms on this page. To see the ratio, use the DSCR calculator.
CR Equity AI closes typical investment property purchases in about 9–15 days on a clean file — direct lender, our own capital, no income verification. Soft credit pull delivers real terms in about five minutes.
A replacement-property clock does not wait on a bank committee. We target about 9–15 days on acquisition when title and valuation are clean — entity borrowers on business-purpose deals are in guidelines, subject to underwriting.
First-time sponsors with strong credit can reach up to 80% LTV at 720+. Experienced sponsors with ten or more projects can climb toward 95% on Bridge. Every tier still targets about 9–15 days on a clean file.
Often yes. We typically close investment purchases in about 10 days when the file is clean. AIVAA values the property in minutes so you are not waiting weeks on an appraisal just to see if the deal works.
The seller isn't waiting for your bank.
Two minutes to apply, soft pull only, real terms in 5 minutes.
- 9–15 days
- Typical close
- 5 min
- To real terms
- None
- Income verification required