Loan programs
Loans for every stage of an investment property.
Buy it, fix it, build it, hold it. United Lending offers business-purpose financing on non-owner-occupied property, with terms in writing before you commit.
DSCR rental loans
30-year financing for 1–4 unit rentals, qualified on the rent instead of your tax returns.
Subject to appraisal and underwriting.
Fix and flip loans
Short-term money for the purchase and the renovation, paid off when you sell.
Subject to appraisal and underwriting.
Bridge loans
Close quickly on a property now, then sell it or refinance into long-term debt.
Subject to appraisal and underwriting.
Ground-up construction loans
Financing for new builds on investment lots, from spec homes built to sell to rentals built to hold.
Quoted on your deal. Send it and a loan officer calls you with a quote.
About this loanMultifamily and commercial loans
Loans on apartment buildings of five units or more, mixed-use buildings and commercial property.
Quoted on your deal. Send it and a loan officer calls you with a quote.
About this loanTerms at a glance
Published terms, side by side.
| Program | Leverage | Rehab | Min. credit | Term | Prepayment penalty |
|---|---|---|---|---|---|
| Fix and flip | Up to 95% of price | Up to 100% of rehab | Quoted per deal | 12–18 months, interest only | None |
| Bridge | Up to 95% of cost | — | Quoted per deal | 12–18 months, interest only | None |
| DSCR rental (1–4 units) | Up to 85% LTV purchase, 80% cash-out | — | 620 | 30 years, fixed or adjustable | Your choice: none to 5 years |
| Ground-up construction | Quoted per deal | — | Quoted per deal | Quoted per deal | Quoted per deal |
| Multifamily and commercial | Quoted per deal | — | Quoted per deal | Quoted per deal | Quoted per deal |
Swipe the table sideways to see every column.
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: 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.
Which loan fits
Start from what you're doing with the property.
Get your terms
Not sure which loan fits? Tell us the deal.
- About a minute to fill in
- No credit pull to start
- A loan officer calls you back
- Investment property only
Rather talk now? (718) 704-0499
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.