(833) 258-3287 [email protected]
Now Funding NMLS #244834 45 States + DC →
Funding in 45+ States + DC

Investment
property loans,
made simple.

Fast approvals, competitive rates, and specialized financing for real estate investors. Close in as little as 7 days. No W-2s required on most programs.

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4,872 investors funded this month
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⚡ 2-Hr Response

No obligation · No hard credit pull · Response within 2 business hours

$1.2B+
Funded in 2025
9,841
Loans Closed
45+DC
States Licensed
4.98★
Avg Client Rating
Specialized Programs

Investment Loan Products

Tailored financing for every stage of your real estate investment journey.

Compare All Programs
Fix & Flip Loans
Purchase + renovation financing for value-add investors. Close fast and maximize leverage with up to 100% rehab coverage.
$100K–$5M
Loan Amount
7.75%+
Starting Rate
100% Rehab
Coverage
12–24 Mo
Term
Learn More & Apply
Most Popular
DSCR Rental Loans
Long-term financing based on rental income. No personal tax returns or W-2s — qualify on the property's cash flow alone.
Up to $2.5M
Loan Amount
6.25%+
Starting Rate
80% LTV
Max LTV
30-Year Fixed
Term
Learn More & Apply
Non-QM Specialist
Non-QM Investment Loans
Flexible options for self-employed investors — bank statement, asset-based, and 1099 income qualification.
$100K–$2M+
Loan Amount
7.0%+
Starting Rate
75–80% LTV
Max LTV
Bank Stmt/Asset
Qualification
Learn More & Apply
Bridge Loans
Short-term transitional financing to close fast on time-sensitive acquisitions while securing permanent financing.
$100K–$5M+
Loan Amount
10–14 Days
Fast Close
75% LTV
Max LTV
12–24 Mo
Term
Learn More & Apply
New Construction
Ground-up construction financing for builders and developers with flexible draw schedules and competitive terms.
$250K–$5M+
Project Size
85% LTC
Loan-to-Cost
70% LTARV
After-Repair Value
12–18 Mo
Construction Term
Learn More & Apply
Conventional / QM
Traditional investment property financing for qualified borrowers seeking competitive long-term rates with full documentation.
Up to $2M
Loan Amount
6.0%+
Starting Rate
75% LTV
Investment Property
15 or 30 Yr
Fixed Term
Learn More & Apply
Simple & Fast

From Inquiry to Closing
in 4 Easy Steps

We've streamlined the investment loan process so you can move fast on deals.

1
Submit Your Scenario
Tell us about your deal — property type, purchase price, rehab budget, rental income, or exit strategy.
2
Receive Your Quote
We match your deal to the right program and present competitive rates and terms within 24–48 hours.
3
Submit Application
We guide you through documentation and manage lender communication on your behalf.
4
Close Your Deal
We work to get you to the closing table fast — some loans close in as few as 7–10 days.
The HQ Difference

Why real estate investors choose HQ Lending

We speak investor. When you work with us, you work with a team that understands deals — not just applications.

Lightning Fast Closings
Average close in 9.4 days. Term sheets delivered within 2 business hours. 95% of deals close on time.
Investor-First Pricing
Access to wholesale rates and flexible structures not available through retail lenders. Competitive with top hard-money options.
Specialized Underwriting
Our preferred lenders focus exclusively on non-owner occupied deals. Non-QM experts on staff for complex scenarios.
White-Glove Service
Dedicated loan officer + transaction coordinator from application to funding. 4.98/5 client satisfaction score.
Real Results
Join thousands of investors who've scaled their portfolios with HQ Lending.
95%
Successful Exit Rate
9.2
Avg Days to Close
4,200+
Fix & Flips Funded
4.98 / 5 from 1,200+ reviews
Get Your Free Quote
Estimate Your Payment
Loan Payment
Calculator

Quickly estimate your monthly payment. For a precise quote tailored to your deal, our team responds in under 2 hours.

Estimated Monthly Payment
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Total Interest (Full Term)
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*Estimates only. Actual rates depend on property, creditworthiness, and market conditions.

Adjust Loan Parameters
$350,000
25%
30 years
Estimated Rate
6.75%
Based on selected program · Subject to qualification
Client Reviews

What our clients say

4.98 avg from 1,200+ investors
"HQ Lending got my fix & flip funded in 8 days with 85% LTV — better terms than my previous lender. The team was responsive every step of the way."
MR
Marcus Rivera
Fix & Flip Investor · Miami, FL
"As a buy-and-hold investor with 12 properties, the DSCR program has been a game changer. No more tax returns. Cash flow based approval is exactly what I needed."
PP
Priya Patel
Portfolio Investor · Austin, TX
"Self-employed with multiple LLCs — traditional banks wouldn't touch my deal. HQ's 12-month bank statement loan closed smoothly and the rate was very competitive."
DC
David Chen
Real Estate Entrepreneur · Atlanta, GA

Ready to fund your
next deal?

Get personalized terms in under 2 hours. No obligation. No hard credit pull.

Get Started Call (833) 258-3287
NMLS #244834 · Licensed in 45 States + DC · Equal Housing Lender