Investors Finance With theLender!

theLender offers DSCR financing for rental properties and alternative-documentation options for self-employed borrowers, with eligibility based on the property, the borrower and the current loan program. Start with your goal and we’ll show you the options that may fit.

Call Now Get A Quote

theLender is recognized as fastest growing company in the US for 2022 by Inc. Magazine

Loan programs

Find the right loan for your scenario

Start with the property or the way you document income. Each option below explains what it is designed for and links to complete program details.

Rental property financing

Investment-property options organized by rental strategy and property type.

DSCR Investor Loans

Qualify primarily with the property’s supportable rental cash flow instead of conventional personal-income documentation.

Investment propertiesPurchase or refinance

Explore DSCR loans LT

Long-Term Rental Loans

Finance an eligible rental using supportable long-term rent and property cash flow.

Leases over 30 daysPurchase or refinance

Explore LTR loans ST

Short-Term Rental Loans

Finance an eligible Airbnb or vacation rental using approved seasonal income support.

Vacation rentalsPurchase or refinance

Explore STR loans MF

Multifamily DSCR Loans

Property-cash-flow financing for eligible 5–10-unit residential or 2–8-unit mixed-use investments.

Larger propertiesProperty review

Explore multifamily

Flexible income documentation

Mortgage options for borrowers whose income does not fit a conventional W-2 profile.

Bank Statement Loans

Document self-employed income with eligible personal or business bank statements rather than relying only on tax returns.

12–24 monthsPersonal or business

Explore bank statement loans AI

Alternative Income Loans

Explore eligible 1099, profit-and-loss, asset-depletion, and written-employment-verification paths.

Multiple documentation pathsSeveral property uses

Explore income options

Not sure where your scenario fits?

Compare all loan programs →

Everything is Easy With theLender

At theLender, we specialize in making what can be a complicated process of securing home financing easy. Whether you’re purchasing or refinancing, we have the products you need to reach your goals.

Not sure where to start?

Book a quick call with one of our mortgage analysts to help get the process started.

Book a Quick Call

theLender Advantage

TheLender blends streamlined technologies with a dedicated team of professionals to deliver a smooth process with results you can trust.

Book a Quick Call

Google Review in front of Woman in the Background

Apply

The combination of our tech and experienced team will ensure you get through the process swiftly. 

Get Approved

Our process is streamlined to keep us on track and meet your closing timeline. You can expect our team to be there every step ofthe way.

Closing

You’re almost done! After you sign your closing docs, our team will move fast to get you closed. 

See what our clients are saying about their experience with theLender

If you are looking for a Lender that will provide the customer experience and go above and beyond to assist you with home lending needs then you need to try theLender. Their communication is outstanding and their programs competitive. I highly recommend theLender.

Nadia L.

I am the Vice President of a title company in Florida. We recently closed a transaction with theLender and it was an absolute pleasure working with the entire team. They were very professional, communicative, and went the extra mile to ensure everyone was on the same page for a smooth closing. I highly recommend theLender if you are looking for a Lender that goes the extra mile and truly values excellent service. Our team hopes to work with you all again!

Daniel V.

I had my first experience working with The Lender when they saved a loan at the last minute that another lender dropped the ball on. My overall experience with them was extremely positive. I’ve worked with several lenders in my time processing and they stood out to be very professional and timely. Look forward to working more with them in the future!

Karena K.

My experience working with the lender was hands down the smoothest process to date. My AE and his team were efficient and professional. Moving forward I am confident in choosing The Lender.

Katey K.

The products that they offer their customers are some of the best in the industry.

Margaret N.

theLender was amazing! Such a great experience with everyone we spoke with. Quick close and with great service! Thanks for making our journey a great one! Highly recommended!!

Jarrett K.

Fantastic service. Industry experts who know their products in and out. I have been in the industry for 25 years and have yet to find a company that offers the products, and has the knowledge their staff has. Haven’t found a better lender to do business with.

Chad H.

theLender is the best in the business. NONI APPROVED. Use theLender you cannot go wrong. Top notch and very professional.

Liss B.

I refinanced 2 properties with theLender and was very happy with the result. Great experience with the team who assisted me!

Bobback T.

I found the Lender to have an outstanding team that is customer service oriented. I appreciate their promptness and speed from beginning to end. It is easy to get in touch with a live person as they answer the phone and are extremely approachable and solution oriented with challenging files. For investment loans, I Highly recommend to ANYONE wanting to get into the investment property arena. This place makes it so simple, fast and enjoyable. Great vibe and energy all the way around. Thank you for a great experience!

Marilyn S.