ServicesBuilt for Real Estate Investors
Financing SolutionsFor Residential and Commercial Investment Properties
Reserve Lending offers custom business-purpose loans for residential and commercial properties. Whether renovating, building, expanding rental portfolios, or financing commercial assets, we analyze your deal to match your unique goals.
By evaluating property value, loan purpose, experience, credit, and exit strategy, we deliver practical, customized financing instead of one-size-fits-all options.
Revolutionize Your BusinessOur Services
Fix & Flip Loans
Acquire and renovate investment properties with our Fix & Flip loans. By combining purchase and renovation costs into one loan, we help you complete projects efficiently for resale or refinance.
Features:
- Finance both the purchase and renovation with one loan
- Short-term financing with 12-month terms
- Available for single-family homes, multifamily properties, townhomes, and condos
- Experience-based leverage for qualified investors
Ground-Up Construction Loans
Whether building your first investment property or managing multiple developments, our Ground-Up Construction financing is tailored to your timeline, budget, and exit strategy.
Features:
- Financing for land acquisition and vertical construction
- Flexible 12 to 24-month loan terms
- Draw schedules aligned with construction milestones
- Financing options for both experienced and newer builders
DSCR Rental Loans
Grow your rental portfolio with DSCR loans. Qualify based on property performance rather than personal income to purchase, refinance, or access equity easily.
Features:
- Qualification based on property cash flow (DSCR)
- No personal income verification, tax returns, or W-2s required
- Terms ranging from 15 to 30 years
- Available for purchases, refinances, cash-out refinances, and rental portfolios
Investor HELOC
Access your investment property equity without replacing your first mortgage. An Investor HELOC provides flexible funding for acquisitions, renovations, or other opportunities.
Features:
- Revolving line of credit secured by investment property equity
- Access funds as needed
- Streamlined qualification process
- Keep your current first mortgage in place
Commercial Bridge Loans
Need quick commercial financing? Commercial Bridge Loans provide short-term funding for acquisitions, repositioning, and transitional properties.
Features:
- Short-term financing with 12 to 36-month terms
- Flexible loan structures based on your project
- Financing available for mixed-use, multifamily, retail, office, and other commercial properties
- Structured around your business plan and exit strategy
Commercial Permanent Loans
Secure long-term financing for stabilized, income-producing commercial properties. Commercial Permanent Loans support purchasing, refinancing, or accessing equity for long-term ownership.
Features:
- Long-term financing with 5 to 30-year terms
- Available for acquisitions, refinances, and cash-out transactions
- Designed for stabilized commercial properties
- Loan review focused on property performance and financials