Residential Real Estate Loans for Investors and Homebuyers
Residential Loans
Residential real estate loans provide financing for individuals and investors purchasing, refinancing, or improving residential properties. These loans can be used for primary residences, second homes, or investment properties, depending on the borrower’s goals.
SellYouMoney offers flexible residential loan solutions, including investor-focused programs such as DSCR loans, fix and flip financing, and rental property loans.
What Are Residential Loans?
Residential loans are mortgage loans used to finance properties with one to four residential units, including single-family homes, condos, and small multifamily properties.
These loans can be structured as traditional mortgages for homeowners or as investment-focused loans designed for real estate investors building rental portfolios.
Types of Residential Loans
Conventional Loans
Traditional mortgage loans typically requiring income verification, strong credit, and down payments.
DSCR Loans
Investor-focused loans that qualify borrowers based on property cash flow rather than personal income.
Fix and Flip Loans
Short-term financing used to purchase and renovate properties for resale.
Rental Property Loans
Long-term financing for income-producing residential properties.
Cash-Out Refinance Loans
Loans that allow borrowers to access equity from existing properties.
Rehab Loans
A rehab loan is a type of financing that covers both the purchase price of a property and the cost of renovations.
Frequently Asked Questions
What is considered a residential property?
A residential property typically includes 1–4 unit properties such as single-family homes and small multifamily buildings.
Can I get a residential loan as an investor?
Yes, many programs such as DSCR and rental property loans are designed specifically for investors.
Do residential loans require income verification?
Traditional loans do, but some investor programs may allow qualification based on property income.
Can I refinance a residential property?
Yes, refinancing options include rate-and-term and cash-out refinance loans.
Do you offer loans nationwide?
SellYouMoney provides residential financing in most U.S. states.
