Financing

Two paths. Fifteen programs.

What the property will be used for, and what the proceeds will do, decide which programs may apply. We arrange the financing with our lending partners and confirm availability for your state, property type, and plan.

Not sure which category fits? The guided explorer asks six short questions and suggests paths that may work.

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Choose a path

01 / Rental & Portfolio

Long-term holds and portfolio growth, underwritten on the property.

3 programs

Rental & Portfolio01

DSCR & Rental Property Loans

Let the property's income tell the story

Rental property financing where the property's income, rather than personal employment income, is central to how the file is evaluated.

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Rental & Portfolio02

Investment Property Purchase Financing

Structure the acquisition before you write the offer

Purchase financing for non-owner-occupied residential investment property, structured around the property and your plan for it.

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Rental & Portfolio03

Cash-Out Refinance Options

Put existing equity to work

Refinance an investment property to replace existing debt and access equity, with the trade-offs modeled in advance.

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02 / Build & Renovate

Renovation, ground-up construction, and the land beneath it.

3 programs

Build & Renovate01

Fix-and-Flip Loans

Acquisition and renovation capital in one structure

Short-term financing for buying and renovating a property for resale, with renovation funds released against completed work.

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Build & Renovate02

Ground-Up Construction Financing

Fund the build in stages

Financing for building new residential or mixed-use property, structured around land, hard costs, soft costs, and draws.

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Build & Renovate03

Land Loans

Acquire the ground before the build

Financing for acquiring land, with an eye toward how the parcel will eventually be used and financed.

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03 / Bridge & Short-Term

Timing problems, solved with a defined exit.

2 programs

Bridge & Short-Term01

Bridge Purchase Financing

Buy before you sell

Short-term financing that can help you acquire a new property while an existing one is still being sold or refinanced.

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Bridge & Short-Term02

Hard Money Loans

Speed and flexibility for the right situation

Asset-focused short-term financing for situations where timing or property condition makes a conventional path impractical.

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04 / Alternative Documentation

Income documented through the way your business actually works.

5 programs

Alternative Documentation01

P&L-Only Investor Loans

Income documented through the business P&L

A documentation approach that uses a profit-and-loss statement to support self-employed or business income.

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Alternative Documentation02

Bank-Statement Investor Loans

Income shown through deposits

A documentation approach that uses business or personal bank statement deposits to support income.

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Alternative Documentation03

Alternative-Documentation Programs

When the standard file does not fit

A family of documentation approaches for investors whose income picture is clear but does not fit a conventional file.

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Alternative Documentation04

ITIN Investor Programs

Financing for ITIN holders

Investment property financing for borrowers who file taxes using an Individual Taxpayer Identification Number.

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Alternative Documentation05

Foreign-National Programs

Investing in US property from abroad

Investment property financing structured for borrowers who live outside the United States.

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05 / Commercial & Business

Income-producing assets and eligible business purposes.

2 programs

Commercial & Business01

Commercial Real Estate Loans

Underwritten on the property's income

Financing for income-producing commercial property, evaluated on net operating income, debt service, and lease strength.

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Commercial & Business02

Asset-Based Loans

Lending against what the asset can support

Financing sized primarily against the value and quality of the underlying asset, with emphasis on collateral and exit.

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Brokerage and availability

SageFin Capital is a commercial finance brokerage. Financing is subject to lender approval, underwriting, collateral requirements and program availability. Not a commitment to lend.

State availability may differ by product, property type, and transaction. Investment-property and business-purpose financing each carry their own guidelines.

Parameters are confirmed, not published

Program parameters—maximum leverage, minimum credit, reserve requirements, loan limits, and documentation rules—vary by lender and are confirmed by our team for your specific scenario.

Nothing on this page is an offer to lend, a rate quote, or a statement of eligibility. Approved parameters are maintained internally and updated as programs change.

Before you call

Property address and type
Price or current value
Rent or income estimate
Your timeline

Submit a scenario

Match the tool to the program

DSCR & RentalRent, payment, coverage, and cash flow.Bridge PurchaseTwo properties. One transition.Fix & FlipProject cost, drawn interest, and profit.Cash-Out RefinanceEquity, proceeds, and the new payment.ConstructionLand, draws, reserves, and exit.CommercialNOI, cap rate, coverage, and balloon.

Financing

Tell us what the property needs to do.

Share a short scenario and we will confirm which programs may apply to your state, property type, and plan.

Submit a scenario Open the explorer

Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.