Fix-and-flip to institutional. DSCR to development. Foreign national to large-balance. If the asset is an investment, there’s a product for it — and one intake that routes the whole lineup. Packaged the way a lender says yes to.
Short-term, interest-only financing to buy, renovate, and sell — sized to after-repair value.
A 24-month interest-only bridge for short holds — purchase or cash-out, no prepayment penalty.
1-year interest-only financing based on as-repaired value — built to improve and hold.
Long-term rental financing qualified on the property’s cash flow — not your personal income.
A 30-year fixed for high-equity investors who want fast, low-doc qualification at a conservative LTV.
Financing for self-employed and investor borrowers outside agency guidelines, on alternative documentation.
Draw-based, ground-up financing for investment projects, released against a build budget.
Acquisition and horizontal development financing — entitlement, grading, utilities, infrastructure.
Flexible-documentation commercial financing from $100K to $2.5M — full, lite, no-doc, and bank-statement.
Owner-user and investor financing from $150K to $250M and above — small-balance through institutional.
No income, no asset, no tax-verification financing — plus no-ratio DSCR and specialty collateral.
Short-term, equity-based capital to halt foreclosure — approved on equity, closing in roughly 5 to 14 days.
Up to 75% LTV for part-time U.S. residents who hold U.S. credit.
U.S. investment financing for international buyers with no U.S. credit. EIN required.
And if the need is capital for an investment or a business beyond the lineup above, there may still be a fit. One intake, routed across the network. Submit the scenario and get a straight read.
Submit a scenario →The deal, the numbers, the exit. You submit it once instead of re-pitching it across a dozen desks.
We position the file the way the right source needs to see it — the difference between a slow maybe and a fast yes.
You get an honest answer on whether it’s fundable and where — not a polite stall while a better-packaged file closes ahead of you.
The Lending File Checklist — the five pre-submission areas that separate a fast yes from a slow maybe on a hard-money SFR deal. The same things we package every file around.
A DSCR loan qualifies on the property's rental income measured against the loan payment — not your personal income, tax returns, or W-2s. It is built for non-owner-occupied investment property, with purchase, refinance, and cash-out options and LLC vesting permitted.
It comes down to your exit. A fix and flip loan is short-term, interest-only financing to buy, renovate, and sell. A DSCR loan is long-term financing to hold and rent. Pick the exit first and the loan follows — and you can refinance a flip into a DSCR hold when the plan changes.
These products are built for competitive acquisitions and time-sensitive deals, closing in days rather than the weeks a conventional file takes. The cleaner the file comes in, the faster the yes — our pre-submission checklist covers exactly what a lender needs to move.
Not for most of these programs. DSCR loans qualify on the property's cash flow, and non-QM and no-doc programs use bank statements, assets, or property income in place of tax returns. They are designed for self-employed and investor borrowers whose real income does not fit an agency template.
Yes. These are business-purpose investment loans, and vesting in an LLC or entity is permitted across the rental and most investor programs — no personal vesting required.
Yes. The lineup runs from single-family fix-and-flip to commercial, large-balance up to $250M and above, and foreign national programs for international and part-time-resident buyers. If the asset is an investment, there is a product for it, and one intake covers all of it.
No. Iron Rock arranges business-purpose financing for non-owner-occupied investment and business use — not consumer or primary-residence mortgages. That is what lets these programs skip much of the conventional documentation and move quickly.
Pricing is risk-based — it depends on the deal, the leverage, and the borrower — so we do not post rates that will not match your scenario. Submit the deal and you will get a real number on your real file, reviewed personally, within two business days.