Loan Programs

Types of Real Estate Loans for Investors

We don’t sell one-size-fits-all loans. We match real estate investors with lenders who fund flips, rentals, new builds, and more – fast and with fewer roadblocks. Explore all your options below. 

Fix and Flip Loans

Short-term funding for fast-moving investors. Covers purchase + rehab. Based on ARV. 

  • Fast approvals 
  • Interest-only terms 
  • Up to 90% of purchase + 100% of rehab 

Rental Property Loans (DSCR Loans)

Long-term loans based on rental income, not your tax returns.

  • No W2s or tax returns
  • 30-year fixed and interest-only options
  • Works for STRs and long-term rentals

New Construction Loans

Getting a project off the ground takes more than just a plan.

These construction loans cover land, build costs, and everything in between, with draw schedules and terms that work in the real world.

Bridge Loans

We offer short-term financing for urgent purchases or delayed refinances. It’s a fast, no-hassle option ideal for auctions, tight timelines, or back-to-back closings.

Land Purchase Loans

We offer financing options for raw land, entitled lots, and everything in between. Each lender brings different terms, so we help match you with one that fits your strategy.

Commercial Property Loans

Commercial deals don’t fit in a box. Whether it’s retail, office, or mixed-use, this financing is built around the property, the income, and your plan.

Why Work With a Real Estate Loan Broker?

Most lenders offer a single set of terms. We don’t. At First Lending Network, we compare offers from 7+ vetted private lending partners to find the one that best fits your project’s timeline, risk, and goals. 
 
Whether you’re investing in Tampa, Orlando, St. Pete, or anywhere in Florida – we’ll help you fund smarter, not harder. 

Not Sure Which Loan Type Is Right for You?

Let’s talk through your project. We’ll help you understand which loan makes the most sense for your deal - and match you with a lender who can actually fund it.
Business Faqs

Ask Your Questions

The most common loan for flipping is a Fix and Flip Loan, which is a short-term loan based on the property’s future value after renovation. These loans typically cover both the purchase and rehab costs and are interest-only for 6-18 months.

Most rental investors use a DSCR Loan, which is based on the property’s rental income rather than your personal income. These loans are popular for both short-term rentals (Airbnb) and long-term buy-and-hold properties.

Yes. Many investor-friendly loans – especially DSCR loans, fix and flip loans, and bridge loans – require no personal income documentation. Approval is often based on property income or project value.

A bridge loan is used to quickly purchase or hold a property until permanent financing is available, while a fix and flip loan specifically funds renovation projects for resale. Bridge loans are typically faster to fund and require less documentation.

Not always. Some lenders require 1-2 completed projects in the last 24 months, but First Lending Network works with lenders who fund first-time flippers and builders, especially if you’re working with licensed contractors.

Next Steps

Ready to talk about funding your next project? We’ll walk you through your options and match you with the right lender - not just any lender.

Book a free strategy call with First Lending Network 

Explore our full library of loan programs by project type 

Learn from other investors: Browse real-world funding scenarios