Investment Property Financing
Financing options for homeowners, buyers, and real estate investors
We help investors buy and refinance rentals using property income instead of tax returns or W‑2s.
Get flexible financing without the hassle of full income documentation
Smart, inclusive financing for today’s real estate investors.
DSCR Loans
Qualify Based on Property Cash Flow, Not Personal Income
DSCR loans are designed for real estate investors who want to qualify based on rental income rather than traditional income documents. This is ideal for scaling a portfolio when tax returns do not fully reflect borrowing strength.
DSCR Loans
Qualify Based on Property Cash Flow, Not Personal Income
DSCR loans are designed for real estate investors who want to qualify based on rental income rather than traditional income documents. This is ideal for scaling a portfolio when tax returns do not fully reflect borrowing strength.
Profit & Loss Options
Qualify With 24‑Month CPA‑Prepared P&Ls, Not Tax Returns
Use two years of CPA‑verified profit and loss statements to qualify, instead of full tax returns or W‑2s. Built for self‑employed investors and business owners with complex income.
Profit & Loss Options
Qualify With 24‑Month CPA‑Prepared P&Ls, Not Tax Returns
Use two years of CPA‑verified profit and loss statements to qualify, instead of full tax returns or W‑2s. Built for self‑employed investors and business owners with complex income.
Investor Refinance
Refinance Rentals With Some of the Lowest Broker Fees in the Industry
Most brokers charge 1.5%–2.75% of your loan in fees. We cap our broker fee at the lower of a flat or 0.70% of your loan amount, helping you keep more cash flow and equity on every refinance.
Investor Refinance
Refinance Rentals With Some of the Lowest Broker Fees in the Industry
Most brokers charge 1.5%–2.75% of your loan in fees. We cap our broker fee at the lower of a flat or 0.70% of your loan amount, helping you keep more cash flow and equity on every refinance.
LLC & Asset Protection
Financing Built for Privacy‑Focused LLC Investors
Our team understands how different states treat LLC privacy, charging‑order protection, and series structures, so your financing supports—not weakens—your strategy.
LLC & Asset Protection
Financing Built for Privacy‑Focused LLC Investors
Our team understands how different states treat LLC privacy, charging‑order protection, and series structures, so your financing supports—not weakens—your strategy.
LLC & Asset Protection
Financing Built for Privacy‑Focused LLC Investors
Our team understands how different states treat LLC privacy, charging‑order protection, and series structures, so your financing supports—not weakens—your strategy.
Flexible Qualification
Less Reliance on Traditional Income Docs
Less Reliance on Traditional Income Docs
Eligible programs may reduce or eliminate the need for tax returns, W-2s, and standard employment verification.
Eligible programs may reduce or eliminate the need for tax returns, W-2s, and standard employment verification.
Built for Rental Property Investors
Built for Rental Property Investors
Built for Rental Property Investors
Designed for Portfolio Expansion
Designed for Portfolio Expansion
We work with borrowers who are actively buying, refinancing, and growing residential investment portfolios.
We work with borrowers who are actively buying, refinancing, and growing residential investment portfolios.
Alternative to Hard Money
Financing for Long-Term Holds
Financing for Long-Term Holds
Explore options better suited for stabilized rental properties and long-term investment strategy than high-cost bridge or hard money debt.
Explore options better suited for stabilized rental properties and long-term investment strategy than high-cost bridge or hard money debt.
Investor Loan Insights
Answers for Real Estate Investors Exploring DSCR and Non-QM Financing
Ready to Move Forward?
See What Investor Financing Options Fit Your Scenario
Whether you are buying your next rental or refinancing multiple properties, we’ll help you review the options that match your goals and documentation profile.
Ready to Move Forward?
See What Investor Financing Options Fit Your Scenario
Whether you are buying your next rental or refinancing multiple properties, we’ll help you review the options that match your goals and documentation profile.
Investment property and non-QM mortgage solutions for real estate investors.
Contact Us
Options Home Loans LLC | NMLS 2221613
Office: 17875 Von Karman Ave, Suite 150, Irvine, CA 92614
Options Home Loans LLC is a mortgage company focused on helping borrowers explore residential and investment property financing solutions. Loan programs are subject to borrower qualification, property review, and lender approval. Not all borrowers or properties will qualify. Program availability, rates, terms, and documentation requirements may vary.
Licensing, NMLS, Equal Housing, and state-specific disclosures to be inserted here.
© 2026 Options Home Loans LLC. All rights reserved.
Investment property and non-QM mortgage solutions for real estate investors.
Contact Us
Options Home Loans LLC | NMLS 2221613
Office: 17875 Von Karman Ave, Suite 150, Irvine, CA 92614
Options Home Loans LLC is a mortgage company focused on helping borrowers explore residential and investment property financing solutions. Loan programs are subject to borrower qualification, property review, and lender approval. Not all borrowers or properties will qualify. Program availability, rates, terms, and documentation requirements may vary.
Licensing, NMLS, Equal Housing, and state-specific disclosures to be inserted here.
© 2026 Options Home Loans LLC. All rights reserved.
Investment property and non-QM mortgage solutions for real estate investors.
Contact Us
Options Home Loans LLC | NMLS 2221613
Office: 17875 Von Karman Ave, Suite 150, Irvine, CA 92614
Options Home Loans LLC is a mortgage company focused on helping borrowers explore residential and investment property financing solutions. Loan programs are subject to borrower qualification, property review, and lender approval. Not all borrowers or properties will qualify. Program availability, rates, terms, and documentation requirements may vary.
Licensing, NMLS, Equal Housing, and state-specific disclosures to be inserted here.
© 2026 Options Home Loans LLC. All rights reserved.