Investment Property Loans Made Easier

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Our Unique Approach To Investment Property Loans

At Newfi Lending, we are committed to making investment property mortgages as simple and effortless as possible! We know that there’s no one size fits all when it comes to your mortgage, that’s why we offer different investment property loans to fit your situation. Newfi has a unique approach with our DSCR Cash Flow Loans, which require less documentation and can speed up your loan process, alongside our other mortgage options. Whether you’re hoping to refinance your investment property or looking to add to your real estate portfolio, Newfi may have the solution for you!

The Newfi Advantage

Investor Focused

Newfi Lending specializes in helping real estate investors finance their real estate portfolios with ease.

1,300+ Reviews

With a 4.88 star rating on from over 1,300 customers, you can rest easy knowing you’re in good hands!

Easy-to-Use Technology

The Newfi Loan Center will walk you through every step of the way. From getting a quote, to closing.

Frequently Asked Questions

What Investment Property Loans options are there?

From traditional conventional loans to alternative options, there are many different choices. At Newfi, we offer traditional conventional loan options in standard terms, as well as longer loan terms up to 40 years, Interest only loans, and limited documentation qualification to our investor clients. Our DSCR Cash Flow loans give borrowers more loan terms to choose from, faster closings, less documentation, and an overall easier process. This is because Newfi doesn’t look at personal income or proof of employment to qualify borrowers. We qualify you based on the expected market rent of your property, for more information talk to a Newfi Loan Advisor!

How do I Choose the Best Mortgage Option for my Investment Property?

Understanding your needs is the first step to determining which loan option is best for you. Whether you are looking to cash out equity from one of your properties, lower your monthly payments to help cash flow, purchase another property, or are struggling to document items such as employment, income, real estate owned – chances are we have a solution for you. A Newfi Loan Advisor can help to design the right loan option for your Investment strategy.

What is a DSCR Cash Flow Loan?

A Debt Service Coverage Ratio, or DSCR, Cash Flow loan is an investment property mortgage that borrowers qualify for based on the cash-flow of the rental property. A lender uses the estimated market rent for an investment property to qualify, instead of looking at the investor’s personal employment and debt. These loans are also referred to as business purpose or private lender loans.

What are Investment Property Rates?

Rates are determined by many factors and can change multiple times a day. Your exact investment property rate depends on the loan amount, loan term, and other property information. Contact us to review your situation and calculate your personalized mortgage rate!

Why Should I Do an Investment Property Loan with Newfi?

Because we specialize in investment property mortgages! Newfi knows a thing-or-two about creating offerings that work for our clients and not the other way around. We strive to ensure our borrowers have an easy and quick loan process with a dedicated loan team that helps them through each step of the process.

What is the First Step for Getting an Investment Property Loan?

Overwhelmed by the idea of stepping into the investment property game? We get it. All you need to do is fill out a short form about your situation and you get access to investment property rates and a licensed loan advisor via email, text or phone. They will walk you through the rest. What can we say, we keep it simple!

What are the Benefits of a DSCR Cash Flow Loan?

With a DSCR Cash Flow loan you’re able to qualify without proof of employment or personal income (tax returns, W2’s, or paystubs). Instead we determine your ability to qualify by using the expected market rent of your property. This simplifies the loan process, requires less documentation and gives you more options! We offer more loan terms with 15- or 30-Year Fixed Mortgages, and 30- and 40-Year Interest Only Mortgages for investment properties. Additionally, our qualification process makes it easier on full-time real estate investors or self-employed individuals looking to start their investment property portfolio because of our unique approach.

Can I Refinance an Investment Property Without a Tenant?

Interested in doing a cash-out refinance to renovate one of your properties while no one is living in it? Need access to your equity when you don’t have a current tenant? No problem! At Newfi, we understand that the best time to get cash-out of your investment property for renovations or other needs isn’t always when the tenants are there. That’s why we offer refinancing on vacant investments!

Why Should I Refinance My Investment Property?

Whether you’re looking to make renovations, get a better rate, pull cash-out to invest in a new property, or shorten your loan term, there are many reasons to consider refinancing your investment property.  At Newfi, our DSCR Cash Flow loan provides real estate investors looking to refinance their investment properties with a faster and simpler solution. From more loan terms to refinancing without a tenant, a DSCR Cash Flow loan could be the right fit for your refinance!

I’m over the moon that I got

approved and closed so quickly. In

this competitive market, I truly

believe that the quick close was one

of the reasons they accepted my offer!

–  Paul H.

                     Loveland, CO.