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UNITEDLENDING

Investment property loans · Macomb County, MI

Hard money, fix and flip and DSCR loans in Warren, MI

Warren, the largest community in Macomb County, offers investors modest postwar houses in the county's southwest corner, where the General Motors Technical Center is a major employer. Typical plays are updating bungalows and brick ranches for resale or holding them as rentals. Any rental needs a city license with an inspection every two years, so that cost and schedule belong in the numbers.

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Where investors buy

Neighborhoods investors look at in Warren

Much of southern Warren is bungalows built right after World War II and 1950s ranch and Minimal Traditional houses, with brick ranches from after 1960 in parts of the southeast and larger ranches, colonials and split-levels in the northern subdivisions.
Southeast WarrenThe 48089 area, including Belangers Garden and Piper Van Dyke, built largely with postwar bungalows, with brick ranches north of Stephens Road and several industrial parks.
Southwest WarrenThe 48091 area, including Fitzgerald and Beierman Farms, where 1950s ranch and Minimal Traditional houses run smaller than the homes on the north side.
Northeast WarrenTakes in Bear Creek, Northampton Square, Fairlane Estates and the city's downtown, with larger ranches, colonials and split-levels in its subdivisions.
Warren WoodsNeighborhood spanning the southeast and northeast parts of the city; Warren is split among six public school districts, so confirm which one serves an address.

Loan programs

Loans for Warren real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Warren

30-year loans for Warren rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Warren

Buy and renovate in Warren with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Warren

Close quickly on a Warren property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Warren

Financing for new builds in Warren, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Warren

Financing for Warren apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Warren

Local rules and costs that change a deal's numbers or closing date in Warren and Macomb County. Sources are listed at the bottom of the page.
  • Get a rental license before a tenant moves in: Warren presumes any occupancy by someone other than the owner of record needs one, and licenses run two years with a biennial inspection under the International Property Maintenance Code.
  • Plan to apply in your own name after closing: Warren rental licenses do not transfer between landlords or between rental units.
  • Clear the property's city debts first: no license is issued until past-due property taxes, special assessments, water and sewer bills and mowing, cleanup or blight charges are paid.
  • Budget for the taxable value to uncap the year after purchase, and for the loss of the seller's Principal Residence Exemption (up to 18 mills of school operating tax) once the house is rented.

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Have a Warren property in mind?

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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.

Questions

Loans in Warren: common questions

Do you offer hard money loans in Warren?

Yes. United Lending LLC offers private real estate financing for investors in Warren and the rest of Macomb County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Warren?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Southeast Warren, Southwest Warren and Northeast Warren, among other parts of Warren.

How much can I borrow for a Warren flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Warren?

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.

Do I need to live in Warren or have a Michigan LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Michigan, your loan officer will tell you what's needed before closing.

Michigan

More places we lend in Michigan

Sources (6)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Warren: Rental Inspections Division
  2. Wikipedia: Warren, Michigan
  3. Homes.com: Southwest Warren neighborhood guide
  4. Real Estate One: Warren community overview
  5. City of Grand Rapids Assessor: Principal Residence Exemption (Michigan rules)
  6. Michigan Treasury: Transfer of Ownership Guidelines