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Smarter real estate financing starts here.

Flexible capital designed for investors, properties and real estate strategies, not traditional lending boxes.

Apply for a real estate loan Call 888-351-8024

What could the right real estate financing unlock?

Smart financing for real estate growthPrograms designed to help investors grow smarter, preserving cash flow while maximizing opportunity.
Designed around the property, not just youLoan options that prioritize property performance, opening doors traditional banks often close.
Guidance you can rely onWe help you navigate every step, from underwriting to closing, with transparency and expertise.
Solutions for every investment stageWhether it's your first rental or a growing portfolio, financing tailored to your objectives.

Explore real estate loan programs.

Every deal is different. We help you secure the right financing based on your property, your goals and your exit strategy.

DSCR / rental loan

Qualify on the property's income, not your personal income. Approval hinges on whether rent covers the payment.

Terms: Loan amounts vary by property value; 30-year fixed or adjustable-rate options
Use cases: Long-term rentals, short-term rentals (Airbnb), single-family and multifamily investments
Qualifications: Rental income with DSCR usually 1.0–1.25+, 15–20% down, acceptable credit

Fix & flip loan

Short-term financing to buy and renovate distressed property, based on after-repair value.

Terms: Typically 6–24 months with interest-only payments
Use cases: House flips, distressed properties, value-add renovations
Qualifications: Project budget and scope of work; experience preferred but not required

Ground-up construction

Financing for land and construction, released in phases as milestones are met.

Terms: Construction period typically 12–18 months
Use cases: New residential builds, spec homes, duplexes, small multifamily
Qualifications: Plans, permits, budget and a clear exit strategy; builder experience preferred

Bridge loan

Short-term capital to close quickly while you line up permanent financing or a sale.

Terms: Typically 6–12 months
Use cases: Time-sensitive purchases, competitive bids, buying before selling
Qualifications: Strong equity position, clear exit plan, property or asset collateral

Cash-out refinance

Refinance for more than you owe and take the difference in cash.

Terms: 15–30 years depending on lender and property
Use cases: Reinvesting equity, renovations, buying more property, BRRRR
Qualifications: Sufficient equity (typically max 70–75% LTV), seasoning, acceptable credit and income

HELOC

A revolving line against your property's equity. Draw, repay and draw again.

Terms: Revolving with draw and repayment flexibility; varies by lender and property
Use cases: Renovations, down payments, short-term cash, opportunity capital
Qualifications: Available equity (typically up to 70–80% combined LTV), acceptable credit

From deal to close in four steps.

01
Share your deal
Tell us about the property, your investment goals and your timeline.
02
Meet our real estate team
Our specialists review your strategy and walk you through the loan options for your property and exit plan.
03
Simplify approval
We streamline documentation, underwriting and lender communication, keeping the process clear and efficient.
04
Close and move forward
Get connected with the right lending partner, whether you're buying, building, renovating or refinancing.

Why real estate investors choose Lexington.

Financing built around the dealWe don't force real estate into traditional lending boxes. Every loan is structured around your property, numbers and exit strategy.
Investor-focused capitalFrom DSCR and bridge loans to fix & flip and construction, we connect you with lenders who understand investment real estate and move at deal speed.
Clear guidance, start to closeYou're never guessing where you stand. We break down your options and keep communication clear.
Speed when it matters mostIn real estate, timing wins deals. We prioritize fast approvals and efficient closings.

Bring us your next deal.

Many investors are turned down by banks because of personal income rules that ignore how the property performs. Tell us about the deal and we will reach out, usually within 24 to 48 hours.

Apply for funding 888-351-8024