Ground-up construction
FundedQueens, NY
$1,671,780
- Leverage
- 80% LTV
Investment property loans across the US
Fast loans for real estate investors, nationwide.
Fix and flip and bridge loans with up to 95% of the price and 100% of the rehab funded, and DSCR rental loans qualified on what the property rents for. One team, one loan officer, from first call to closing.
Get your terms
Step 1 · About a minute in allNo credit pull
United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.
- Leverage up to
- 95%of price
- Rehab funded up to
- 100%of cost
- Loan terms
- 12–18months
- Prepayment penalty
- None
Fix and flip and bridge terms, interest only. Published limits as of November 6, 2026. Subject to appraisal and underwriting. Actual terms depend on the property and the borrower's credit and track record. Not a commitment to lend.
DSCR rental loans30-year · up to 85% LTV on a purchase · no personal income verificationDSCR termsLoan programs
Five ways to finance an investment property.
Short-term money to buy, renovate or build, and long-term loans to hold. Every one is a business-purpose loan on investment property.
DSCR rental loans
Buy or refinance a rental on what it rents for.
A DSCR loan is a 30-year loan on a rental, qualified on the property: the monthly rent against the full monthly payment. DSCR stands for debt service coverage ratio.
- For buying a rental or refinancing one you own, qualified on the rent against the full monthly payment.
- 30-year loans on 1–4 units, with fixed and adjustable options.
- No pay stubs, W-2s or tax returns: personal income verification isn't required.
- Up to 85% of the price on a purchase, or 80% of the value on a cash-out refinance.
- A 620 minimum credit score and a 0.75 minimum DSCR. These are separate limits, not one combined offer: the highest leverage goes to stronger credit and rent coverage, and a lower score or ratio means lower leverage.
- Loans from $75,000, in your own name or an LLC.
- A choice of prepayment term, from none up to five years.
- Subject to appraisal and underwriting.
Worked example
ILLUSTRATIVE · DUPLEX PURCHASE
- Rent: two units × $1,050
- $2,100
- Principal & interest: $180,000 at an example 7.25%, 30-year amortization
- $1,228
- Property taxes
- $260
- Insurance
- $150
- HOA dues
- $0
- Monthly payment (PITIA)
- $1,638
DSCR: 2,100 ÷ 1,6381.28
Illustrative numbers, not market data or a quote. The $240,000 price, the $180,000 loan (75% of price, inside our 85% purchase limit), the 7.25% rate and the 30-year amortization were picked to show the arithmetic; your rate, leverage and loan terms are quoted on your call.
How it works
From first call to closing table.
One loan officer handles your file from start to finish, so you always know who to call.
- Tell us about the propertyYour name and mobile number, then a few one-tap answers: the loan, the price, the amount and when you need to close. It takes about a minute and doesn't pull your credit.
- Talk it through with a loan officerA loan officer calls to go over the numbers, your exit and your closing date, and tells you plainly whether the deal fits.
- Get your terms in writingAmount, rate, leverage and costs on paper, along with the list of documents to send. You decide before anything is ordered.
- Close and fundAppraisal, title and closing. The appraisal, the title work and how quickly documents come in set the date, so tell us yours on the first call.
Where we lend
We lend nationwide.
Most of our loans are in New York, New Jersey and Florida, and we lend in other states as well. Pick your state on the form and we’ll tell you what we can do there.
Calculators
Check the numbers before you call.
Two free calculators, no sign-up. Bring the result to your loan officer and the first call goes faster.
Funded deals
Recent closings, with the real numbers.
Loan type, city, amount and leverage on closings we've published, so far in New York and New Jersey. More closings will be added as they're cleared for publication.
DSCR rental
FundedQueens, NY
$1,505,000
- Leverage
- 60% LTV
DSCR rental
FundedBrooklyn, NY
$1,150,000
- Leverage
- 75% LTV
Bridge (purchase)
FundedManhattan, NY
$1,124,215
- Leverage
- 85% LTV
The people
Founded by twin brothers. Run by people you can reach.
United Lending was founded by Eddie and Joseph Levy. When you call, you reach the lending team directly: loan originators who quote your deal and a processing team that takes it to closing.
Eddie LevyCo-founder
Joseph LevyCo-founder
FAQ
Questions investors ask us first.
What kinds of property do you finance?
Investment property only: houses to renovate and resell, properties to bridge to a sale or refinance, 1–4 unit rentals you buy or refinance, new construction, and apartment buildings of five units or more, mixed-use and commercial property. We don't finance a residence for the borrower or the borrower's family.
How much will you lend?
On fix and flip loans, up to 95% of the price and 100% of the rehab budget; on bridge loans, up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans go up to 85% loan-to-value on a purchase and 80% on a cash-out refinance. Construction and multifamily loans are quoted per deal. These are maximums, subject to appraisal and underwriting; your loan officer sets yours on the call.
What credit score do I need?
On DSCR rental loans the published minimum is 620. Credit also moves leverage and pricing on every program, so give your best estimate on the form and your loan officer will tell you where you stand.
Is there a prepayment penalty?
There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.
How fast can you close?
Fast closings are a big part of why investors call us. The appraisal, the title work and how quickly your documents come in set the actual date, so tell us yours on the first call and we'll say plainly whether it works.
Does filling in the form affect my credit?
No. You pick a credit range on the form, and that's all. If your loan goes forward and a credit report is needed, your loan officer will say so before ordering it.
Where do you lend?
We're headquartered in Brooklyn, New York, and lend nationwide. Most of our loans are in New York, New Jersey and Florida, and investors bring us deals in many other states too. Choose the property's state on the form and we'll tell you whether we can lend there.
Do I need an LLC?
Every loan is for business purposes, and many investors borrow through an LLC or corporation. If you don't have one yet, say so on the form; your loan officer will explain what's needed for your loan before closing.
Ready when your deal is
Have a property in mind? Let's put terms on it.
About a minute online, or call and talk to a loan officer now.