Rental Property Portfolio Financing – Your route to real estate triumph

Ignite Your Investment Dreams with Rental Property Portfolio Financing

Experience the freedom and flexibility of portfolio loans. Designed for visionary investors like you.

620

Minimum Credit Score

N/A

Maximum Debt To Income

80%

Maximum Loan To Value

$100 Million

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage proudly supports real estate investors through a comprehensive array of financing options tailored to meet a variety of investment strategies. Whether you’re expanding your rental property portfolio or refinancing existing properties, we understand that each investor’s needs are unique, and we are not a one-trick pony when it comes to providing solutions.

Here are the financing options we offer to cater to your real estate investment needs:

Conventional Mortgages: If your credit score is high and your tax returns are well-organized, a conventional mortgage could be the most cost-effective way to secure financing. These loans offer competitive rates and terms for investors who meet traditional lending criteria.
Near-Miss Program: For those who are on the brink of qualifying for conventional financing but might require fewer conditions or don’t fit the conventional box entirely, the “Near-Miss” program offers an alternative. It provides the flexibility needed when you’re just shy of meeting conventional requirements.
DSCR Mortgages: Our DSCR program is an innovative solution for seasoned investors with multiple properties. It requires no tax returns and focuses on the cash flow of the rental property. This program is particularly suitable for investors who find conventional debt-to-income qualifications challenging.
Hard Money Loans: For pure asset-based lending, hard money loans offer quick financing based on the value of the property itself, rather than the borrower’s creditworthiness. This can be an excellent option for time-sensitive investments or when you need financing flexibility.

At Innovative Mortgage, we are committed to offering more options than anyone else. We’re not here to sell what we have; we’re here to help you succeed. With access to hundreds of lenders, we can assist you in acquiring, refinancing, or restructuring your investments to align with your goals.

Contact Innovative Mortgage today for personalized support and expert guidance on choosing the right financing option for your real estate investments. Our goal is to empower you with the best solutions to grow your portfolio.

Visionary Investors - Welcome aboard!

Streamlined Documentation

Enjoy simpler, stress-free loan processing with minimal documentation.

Unlimited Mortgages - No ceilings on your ambition

Don't let mortgage caps limit your ambition. Grow your portfolio without restrictions.

Flexible Income Qualification

Our understanding approach makes it easier for you to qualify.

Considerations for Portfolio Financing

Slightly Higher Cost

Competitive, albeit with a dash of higher cost

Prepayment Penalty Consideration

Prepayment Penalties? We shine the light for total transparency

Key Issues That Will Get Early Attention

Navigate Costs

We'll help you navigate and understand the cost implications of portfolio financing.

Prepayment Clarity

We'll help you understand prepayment terms and select the best options for your situation.

Portfolio Growth Strategy

Let's discuss how portfolio financing can accelerate your rental property dreams.

Seamless Loan Process

We'll guide you through every step, ensuring a seamless and enjoyable loan process.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.