Financing for your next
investment property.

AIRE Lending provides business-purpose financing for real estate investors borrowing through an entity. Our programs include fix & flip, DSCR rental, bridge and construction loans. Pre-qualification gives you an indicative estimate based on the details you provide; final terms require review.

We offer fix & flip financing for property purchases and renovations, DSCR rental financing focused on rental income, bridge loans for short-term investment needs, and construction financing for new projects. The appropriate program depends on your property and investment plan.

Availability depends on the property location and loan program. Visit our state coverage page at /states to review your location, then confirm eligibility as part of your application.

Our programs focus on investment properties and business-purpose borrowing through an entity. The property, your experience, credit profile and investment plan inform the review. Costs and requirements differ from conventional mortgages, so compare the full terms for your deal.

Pre-qualification uses your self-reported credit range and does not pull your credit report. The full application includes a soft credit check. Any credit inquiry required before closing will be explained before you proceed.

You can complete the pre-qualification questions in minutes. You will be asked about your property, loan purpose, budget, approximate credit range and experience. No documents are required for the initial estimate.

Have the property state, loan purpose, property type, purchase price, renovation budget if applicable, estimated property value or rental income, approximate credit range, investment experience and contact details ready.

No. Pre-qualification is an indicative estimate based on the information you provide. It is not a commitment to lend, an approval or a guarantee of terms. Final terms depend on underwriting, property review and document verification.

Typical documents include identification, entity formation documents, bank statements, a purchase contract or proof of ownership, property photos and insurance information. Renovation and construction projects also need a scope of work and budget; rental loans may require a lease or rent roll. Your checklist depends on the program.

Timing depends on the loan program, the property, appraisal and title work, and whether your application is complete. We can discuss a closing timeline after reviewing your deal. Preparing your documents in advance helps keep the process moving.

Origination points are an upfront fee expressed as a percentage of the loan amount. For example, two points on a $200,000 loan equal $4,000. Review the points and other fees in your loan documents before proceeding.

AIRE Lending offers business-purpose loans to entity borrowers only. You cannot borrow in your personal name. Have your entity formation details ready, and speak with your legal or tax adviser if you need help choosing or forming an entity.

Experience is one factor in the review. Eligibility, leverage and other terms depend on the loan program and the details of your deal. Include your experience level in pre-qualification so it can be considered.

A term sheet outlines loan terms such as the interest rate, points, amount, leverage, duration, payment structure and fees. A pre-qualification term sheet is an estimate. Approval and final loan terms require underwriting and completed loan documentation.

Rates depend on the program, credit profile, property and proposed leverage. The ranges shown on this site are illustrative, not a current rate quote or offer. Pre-qualification provides an indicative estimate; final pricing is subject to review and confirmation.

Credit profile, investment experience, leverage, loan amount, property type and loan program can all influence pricing. The initial estimate uses the information you provide; underwriting verifies those details before final terms are confirmed.

Prepayment terms vary by program and loan structure. Review whether a penalty applies, how it is calculated and when it expires in your loan documents before you sign.

Closing costs may include origination points, appraisal, title, escrow, legal, recording and other transaction fees. The costs depend on the property, location and loan structure. Review your itemized loan and closing documents for the amounts that apply.

DSCR stands for debt service coverage ratio. It compares a property’s rental income with its debt payments. DSCR rental financing uses that relationship as a key part of the qualification review, alongside other property and borrower requirements.

The required ratio depends on the program and loan structure. A ratio of 1.0 means the measured rental income equals the measured debt payment; 1.25 means it is 25% higher. Submit your property and rental details to explore which terms may apply.