Thinking Outside the Box, Making Good Loans To Good People
Discover Investor Friendly Loan Products! Helping investors achieve their goals!
Competitive Rates
Benefit from competitive rates powered by robust capital, high leverage, and flexible loan options, empowering you to confidently maximize your returns.
Fast Lending Processes
Streamline your experience with our No Income or No Employment verification loans, eliminating manual tasks like searching for pay stubs and old W-2s, accelerating the closing process significantly.
Trusted Support
Grow your business with ease through flexible Investor Friendly Loan Programs and unwavering support from our industry-leading team, guiding you every step of the way.
INVESTMENT PROPERTY LOANS for Buy & Hold, Landlord Loans, Cash Out, Refinance and Foreign National & ITIN Investor Loan Program. No Income or No Employment Verification!
In real estate, exceptional opportunities often defy conventional loan structures. At Houseppy, we understand this challenge and prioritize comprehending your needs, property dynamics, and exit strategy. Armed with this insight, we craft tailored solutions, positioning us as the go-to lender for hard money and long-term mortgages. Experience the Houseppy difference today!
Long Term (DSCR) Loan for Non-Traditional Borrower
Unlock the potential of property appreciation with flexible term lengths, low rates, and seamless processes tailored for non-traditional borrowers, maximizing monthly rental income.
- Purchase up to 85% LTV, Refinance up to 80% LTV and Cash Out up to 75% LTV
- Property Types – 1-4 Single-family homes, attached/detached PUDs, 2-4 units, and condos
- Up to 75% LTV for Multi-Family 5-10 Units or Mixed Use 2-8 Units
- Cash-out seasoning requirement reduced to 90 days
- No Income or Employment Verification
- Foreign Nationals
- ITIN (Copy of ITIN and Consular ID)
- Minimum Fico 640
Rental Portfolio
Consolidate 5+ properties into one manageable monthly payment with a customizable loan, simplifying the management of your expanding portfolio.
- Max LTV 75% for Cash Out or Rate & Term
- Minimum Loan Amount $500,000
- Minimum Property Loan Valuation Requirement $50,000
- 30-Year Full and 10-Year IO with a 20-Year ARM
- Property Types – 1-4 Single-family homes, attached/detached PUDs, 2-4 units, and condos
- Cash-out refinance max of $500k after a property is owned for 90 days or is free and clear!
- No capex reserves required
- Interest-only, rate and term, and cash-out options
- 10 and 30-year options
- Purchase up to 80% LTV
- Minimum Fico 680
Fix & Flips/Bridge Loans
Secure short-term financing for purchasing and rehabilitating investment properties, benefiting from high leverage, competitive terms, and rapid closings.
- Up to 90% LTC and 75% ARV (even some brand new investors)!
- Up to 100% of rehab financed with interest as drawn/disbursed all loans
- 5 – 10 day close
- 12, 18, and 24-month terms available and no prepayment penalty
- Loans from $50K-$2.5MM
- No appraisals
- No application fee; No income or employment verification and No Bank Statements
- No Credit Pull Option or Soft Credit Pull with 640 min FICO (Equifax)
Construction Loans
Fuel your next investment and business venture with straightforward, competitively-priced new construction financing, streamlining the process for your development projects.
- Up to 85% LTTC (loan-to-total costs) and up to 70% ARV LTV
- Permits not required for closing*
- No prepayment penalties
- 24-month terms with 3 or 6 month extension options
- Interest accrued only on drawn funds (otherwise known as interest as drawn/disbursed)
- Loans from $150K-$3M
- No third-party appraisal required
- No application fee; No income or employment verification
Multifamily Fix and Flip and Bridge
- 70% LTV
- 5-20 Units
- Min Loan Amount $1MM
- Purchase, Cash Out or Refinance
Delayed Financing
This approach can be beneficial for buyers who want to make a strong, all-cash offer to secure a property quickly, and then leverage the property later by taking out a mortgage.
Transactional Bridge Loans
A financing option that serves as a source of funding until you get permanent financing or pay off debt. Bridge loans are typically short-term loans, lasting an average of 6 months to 1 year.
Asset Utilization
Ideal for retired individuals, investors, and entrepreneurs. Use Liquid Assets to Qualify for a home loan such as checking, saving, stocks, IRA, 401K, and more.
Our Clients Love Us!
I’ve really enjoyed working with Houseppy LLC and Maria, she truly cares about her clients, and it shows in every transaction. Her knowledge of investor lending, combined with her own experience as a real estate investor, helps her guide clients clearly and confidently through the process. I’m proud to work with Maria and would absolutely recommend Houseppy to any investor looking for an honest, knowledgeable, and supportive lending partner.
Aníbal A.
I’ve worked with Maria Alvarado for over 20 years, and she’s someone I truly trust. We’ve closed many deals together, and no matter how big or small the transaction is, Maria always shows up with care, dedication, and a strong commitment to her clients. Her knowledge of investor loans and her work ethic really set her apart. I’m grateful for our long relationship and look forward to many more years of working together to help our clients grow their real estate portfolios.
Isabel A.
Highly recommend Houseppy for Investor-Friendly loans. Maria has been absolutely amazing throughout our journey as real estate investors. She’s incredibly sweet, patient, and always willing to help and guide us through every step. She stays on top of everything, answers questions quickly, and makes the process feel smooth and stress-free. We’re truly grateful for her support and would 100% work with her again.
