Residential Loans for Real Estate Investors
Private and hard money residential financing for investors buying, renovating, refinancing or holding qualifying investment properties.
Financing built for residential real estate investors
Financing for different residential investment strategies
Whether you are acquiring, renovating, refinancing or holding a residential investment property, AFI can review the deal around the property and business plan.
Fix & Flip
Short-term financing for qualifying residential purchases and renovation projects.
Rental Acquisition
Investor financing for qualifying rental homes and small residential properties.
Bridge Loans
Flexible short-term capital for time-sensitive purchases and transitions.
Cash-Out Refinance
Access qualifying equity from residential investment property for approved business purposes.
Purchase Financing
Private financing for qualifying investment-property acquisitions when speed matters.
Rehab & Repositioning
Finance qualifying repairs and improvements designed to increase property value or rentability.
Residential real estate financing examples
Examples of residential investment properties and financing structures AFI may consider.
Single-Family Investment Property
Residential Rental Property
Single-Family Bridge Loan
Residential financing built around your investment plan
AFI provides residential investment-property financing for a range of acquisition, renovation, refinance and portfolio strategies.
Acquire Investment Property
Finance qualifying single-family homes, condos, townhomes and small residential properties.
Renovate a Property
Finance qualifying repairs, improvements and value-add renovation projects.
Refinance Existing Debt
Replace qualifying existing financing on residential investment property.
Access Property Equity
Use qualifying residential investment-property equity for approved business purposes.
Expand Your Portfolio
Use private financing to acquire additional residential investment opportunities.
Bridge to Long-Term Financing
Use short-term private financing while preparing the property for sale or permanent financing.
Residential underwriting focused on the property and investment plan.
AFI reviews the property, requested loan amount, borrower experience, renovation or rental plan, available equity and expected exit strategy.
Residential fix-and-flip acquisition
An investor finds a single-family property that needs renovation and wants short-term financing for the acquisition and project.
Residential investment loans throughout Florida
AFI Private Lenders works with residential real estate investors throughout Florida's major investment markets.
Frequently asked questions
Common questions investors ask about private residential real estate financing.
What is a residential investment loan?
It is financing used for qualifying residential real estate held or acquired for business or investment purposes rather than consumer owner-occupied use.
What residential property types can AFI consider?
Depending on the transaction, AFI may consider qualifying single-family homes, condos, townhomes and 2–4 unit residential investment properties.
Can AFI finance fix-and-flip projects?
Qualifying acquisition and renovation projects may be considered based on the property, project scope, borrower and exit strategy.
Can I refinance a residential investment property?
Qualifying investment properties may be considered for rate-and-term or cash-out refinance structures depending on underwriting and available equity.
How quickly can a residential loan close?
Timing depends on the transaction, documentation, title, valuation and underwriting. Private lending can often move faster than conventional financing when the file is complete.
Get financing for your next residential investment.
Send AFI the property address, purchase price or estimated value, requested loan amount and your investment plan.