Aug 21 • General discussion
Investor-Friendly Lenders & Loan Types!
1. Visio Lending
- Known as a top DSCR lender for buy-and-hold investors, especially for single-family and vacation rentals.
- Offers streamlined approval using property cash flow rather than personal income.Griffin Funding+7kiavi.com+7LendingOne+7Newfi+1
2. Kiavi
- Specializes in rental and portfolio loans for investors.
- Offers flexible DSCR (no personal income docs required) and competitive adjustable-rate options.LendingOnekiavi.com+1
3. RCN Capital
- Editor’s pick for long-term rental financing in 2025, offering loans up to $2M.
- Requires 20–40% down, credit score 660+, DSCR ≥1.05.U.S. Bank+12Fit Small Business+12Sammamish Mortgage+12
4. Pennymac
- Offers conventional and niche investment property loan products with competitive rates and in-house servicing.The Wall Street Journal+11Pennymac+11Investopedia+11
5. U.S. Bank
- A traditional lender offering loans for 1–4 unit residential rental or vacation properties.CoreVest Finance+5U.S. Bank+5Visio Lending+5
6. Newfi (DSCR Loans in California)
- Focuses on DSCR loans in CA, ideal for investors who want property-based qualification.
- Offers minimum down of ~20%, credit score ≥640, fast processing, and interest-only options.Newfi
7. Griffin Funding (Private / Non-QM)
- Offers private money loans with high LTV, fast timelines, and flexibility.
- Good for investors needing creative financing or with limited documentation.Griffin Funding+2OfferMarket.us+2
8. CoreVest
- Offers single-family rental loans up to 80% LTV, fixed-rate, and streamlined processing.CoreVest Finance
Summary Table
Lender / Loan TypeStrengthsGood ForVisio LendingDSCR rental underwritingTraditional investorsKiaviFlexible DSCR, portfolio-friendlyScaling multi-property investorsRCN CapitalLong-term rental, competitive ratesLong-term buy & hold strategiesNewfiCA-focused DSCR, fast, interest-only optionsInvestors in CaliforniaPennymac & U.S. BankIn-house traditional productsInvestors who prefer bank structureCoreVestFixed-rate rental loans, streamlined processSingle-SFR rentalsGriffin FundingPrivate/non-QM flexibility, high LTVUnique situations or quick flips
Recommendations
- For your scenario (20% down, strong rent potential, CA location): Consider DSCR lenders like Visio, Kiavi, or Newfi, as they value rental income and streamline approval.
- If building a portfolio over time, Kiavi or CoreVest are scalable options.
- To maximize refinancing or fast-trade opportunities, Griffin Funding offers fast alternative financing.
- For conventional bank coverage, check Pennymac or U.S. Bank if you’d also like traditional perks like rate flexibility or relationship banking.
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Investor-Friendly Lenders & Loan Types!
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