Nationwide Investment Property Funding

We Provide Access To Rates And Products From Over 100 Sources

Purchase - R/T - Cash Out

DSCR Rentals - Bridge - Hard Money - Multi-Family - Fix N Flip - Ground Up Construction- Commercial Use Lending

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When you find the right investment property, we will have the right loan. We can, when others can not.

Rental Property DSCR Purchase & Refinance

The most popular form of mortgage for the purchase or refinance of rental real estate is the DSCR product.  The DSCR mortgage refers to a mortgage that is evaluated and underwritten based on the Debt Service Coverage Ratio.  The borrower income or employment is NOT evaluated and generally that is left off the application all together. 

The DSCR is a financial metric used by lenders to assess the property ability to generate sufficient rental income to cover their debt obligations generated by the rental property itself.  For example, a rental property that has a $1,000 monthly payment and a $1,000 monthly rent rate would have a DSCR of 1:1.

Lenders typically have a minimum DSCR requirement (1:1 up to 1:1.25 that the property must meet, but recently we have added "No DSCR" options that don't require ANY DSCR. No DSCR or DSCR under 70% coverage typically requires a lower LTV scenario and strong credit.


  • Loan Amounts $200,000 to $3,000,000
  • FICO 620+
  • 1st Time Investors Allowed
  • 40 Year W/ Interest Only
  • No DSCR coverage available
  • SFR, Condo, 2-10 Units
  • Max 80% LTV
  • Purchase, R/T, & Cash Out


Bridge & Hard Money Solutions

A bridge or hard money mortgage is a type of short-term loan that is commonly used in real estate transactions when there is a need for quick financing or when traditional lending options are not readily available or feasible.  Bridge loans are typically utilized where there is a time gap between the purchase of a new property  and the sale of an existing property. These loans "bridge" the gap by providing immediate funds.

Hard money loans, on the other hand, are loans that are secured by the value of the real estate being purchased or used as collateral. These loans are typically provided by private lenders or investors but they are also available from institutional lenders. Hard Money loans are often sought by borrowers who may not qualify for a traditional loan due to credit history, income documentation or other financial limitations. We have an extensive product menu for both Bridge & Hard Money solutions. 


  • 12-36 month terms
  • No pre-payment penalty available
  • Loan Amounts $150,000 to $2,000,000
  • 640 Minimum FICO
  • SFR, Condo, PUD & 2-4 Units
  • Available for Investment, Vacation Home & Primary residence
  • 1st Time Investors allowed
  • Interest Only Payment Options
  • Purchase, R/T & Cash Out


Fix N Flip & Renovation

A fix and flip mortgage, also known as a rehab loan or a renovation loan, is a type of financing designed specifically for real estate investors who purchase properties with the intention of renovating and reselling quickly for a profit.

This type of mortgage typically provides funding for both the purchase price of the property and the costs associated with its renovation.  It is typically a short-term loan, with a repayment term ranging from 12  to 24 months.

Real Estate investors use fix and flip mortgages to leverage their capital to obtain financing to acquire properties, make necessary improvements, and sell them for a profit. 


  • Loan amounts $200,000 to $5,000,000
  • Up to 90% of Purchase price & up to 100% of ARV
  • For Refi up to 75% of "as is" value + 100% of renovation costs.
  • Cash out up to 65% Of "as is" value + 100% of renovation costs.
  • 620 Minimum FICO
  • SFR, Condo's, PUD & 2-4 unit property types allowed.
  • No Pre-Payment Penalty

Multi-Family Purchase & Refinance

A multi-family mortgage, also known as a multi-family loan or apartment loan, is a type of mortgage financing specifically designed for the purchase or refinancing of properties that contain multiple residential units.  These properties often contain 5+ units.  2-4 Units are available but usually financed under our DSCR rental loan.  

A multi-family mortgage allows individuals or investor groups to acquire or refinance a property with multiple rental units under a single loan. 

Multi-Family mortgage are often provided by banks and are underwritten based on the property's income-generating potential, as rental income plays a crucial role in the borrowers ability to repay the loan.


  • 75% Max LTV
  • 620 Minimum FICO
  • Loan Amounts $200,000 to $5,000,000
  • 5+ Units Allowed
  • 30 Year Fixed & Short Term ARM
  • Minimum DSCR 1.00
  • No Borrower Income Required
  • Purchase, R/T, & Cash Out
  • See DSCR Product for 1-4 units



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Commercial Property Lending

A commercial mortgage is a loan specifically designed for the purchase, refinancing or development of commercial use properties.  This can encompass a wide range of real estate including office, retail centers, industrial warehouse, hotels, auto use, and mixed use properties.

Like our DSCR products these mortgages are intended for income generating properties. These loans are typically provided by banks and specialized commercial lenders such as ourselves. Commercial properties are usually non-owner occupied investments but we do over owner/user occupied commercial loans.  Typically commercial lending options are broken down into high balance and loan balance types based on the size of the loan amount.   We have options for both!


  • 3, 5, & 10 Year Term Loans
  • Interest Only & Amortized options
  • $3,000,000 to $100,000,000 l
  • $250,000 to $5,000,000 for single asset small balance 
  • Pre Payment Penalties required.
  • Office, retail, light industrial, warehouse, self storage, auto & restaurant
  • 660 Minimum FICO
  • No tax return options
  • Max LTV 70%
  • Purchase, R/T & Cash Out
  • Non Recourse Available  


Ground-Up Construction

A ground-up construction mortgage, also known as a construction loan, is a type of loan specifically designed to finance the construction of a new building or property from the ground up. This type of mortgage is utiliized when a borrower or developer intends to construct the building or property on a vacant lot with out existing structures present.

Ground-up construction mortgages are typically obtained by real estate developers, builders, or individuals who plan to construct a property for sale. These loans provide funding for the various costs associated with the construction process, including land acquisition, designs, permits, materials, labor and construction related expense.


  • 18 Month Interest Only
  • Loan amounts $300,000 to $2,000,000
  • Up to 75% LTC of land value or purchase price + 100% construction
  • Max 80% of total project cost
  • Maximum 70% ARV
  • 620+ FICO
  • Experience required
  • Call for "no prior experience" 


These are our standard product details. But don't worry, we have outside the box solutions too!

Over 100 Funding Sources Available For You

Welcome to the power of multiple funding sources! Are you an ambitious and experienced investor or perhaps an eager first-time investor looking to bring your vision to life? Are you tired of relying on a single funding source that limits your growth potential?  It's time to discover the incredible benefits of leveraging multiple funding sources under one roof to catapult your success!  With Barret Financial Group you will be able to do just that. We open the doors to limitless capital, help you identify the right product at the lowest rate and then escort you from approval to funding.  Step off the path well traveled and let us show  you how big the lending universe can be.  


Lower Rates Create New Opportunities

Recently a large percentage of our funding sources have reduced their rates for most investment property types. Furthermore, we are also seeing  more aggressive product options and variations being offered. Lower interest rates and increased competition for your loan can positively impact the cash flow of your investment property and in turn increase your ROI. Enhanced ROI will increase the value of your investment and expand refinancing opportunities even farther as well as increasing market values.  Now is a great time to evaluate your investment portfolio with us for refinance opportunities or to explore the benefits of acquiring a new investment  property. 

New Purchase, Lower Payment Or Cash Out?

In summary, lower interest rates for investment property can enhance affordability, cash flow, ROI & Property values.  They provide favorable financing options, opportunities for refinance, taking cash out and can provide stability for long- term planning.  By taking advantage of lower interest rates, investors can maximize their returns and create a strong foundation for real estate investment success.  If you want to explore these  possibilities we are eager to help you identify and evaluate benefits. Please give us a call, connect with an email or use our contact form here to get started.  We look forward to partnering in your success!

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Barrett Financial Group, L.L.C is a NMLS Licensed, independent mortgage company that provides mortgages for borrowers. Barrett Financial Group is not affiliated with any Govenment agency. All terms subject to credit approval and this is not a commitment to lend. Not all applicants will qualify.