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Real Estate
Investment Loans

The perfect real estate investment loan already exists – stop searching

The perfect real estate investment loan already exists – stop searching

Fix & Flip

Haus Lending fix and flip credit lines provide you with a reliable funding source to purchase new properties or refinance existing investments.

Fix & Flip

  • Residential (1-4 Units)
  • Rates Starting at 7.95%*
  • Loan Amount: $50K - $25M
  • Max Loan to Cost - 90% of Purchase
    Price & 100% of Rehab Costs
  • Max Loan to ARV - 75%
  • Term Length - Up to 18 Months
  • Recourse - Full Recourse
Apply for loan

Multifamily

Leading real estate loan lender for small balance multifamily investment properties, offering extensive debt solutions through a vertically-integrated, national lending platform.

Multifamily

  • Residential 5+ Units
  • Rates Starting at 6.49%*
  • Loan Amount - $500,000+
  • Loan Types - Interest Only | Fixed/
    Adjustable Rate Mortgage Options
  • Max Loan to Stabilized Value - 75%
  • Up to 24 Months + Two 6-Month Ext.
Apply for loan

Rentals

Our real estate investment loan products are flexible to meet the needs of different rental property investors allowing you to access long-term financing at a fixed rate.

Single family

  • Rates: Starting at 4.99%*
  • Single Family/2-4 Unit/Townhomes/ PUD/ Warrantable Condos
  • Loan: $75,000 - $2,000,000
  • Types: 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/1, 7/1, 10/1 Hyrbid ARMs (Partial IO or Fully Amortizing)
  • Term Length: 30 Years
  • Min Guarantor FICO: Mid-Score of 680
Apply for loan

rental Portfolios

  • Rates: Starting at 4.49%*
  • Single Family/2-4 Unit/Townhomes/ PUD/Warrantable Condos
  • 5-20 Unit Properties allowed up to
    15% of Loan Amount
  • Loan: $150,000 - $50,000,000
  • 5, 10 & 30-yr Fixed Rate Mortgage
    5/1, 7/1, 10/1 Hyrbid ARMs
    (Partial IO or Fully Amortizing)
  • Term Length: 5, 10 & 30 Years
Apply for loan

MULTIFAMILY TERM

  • Rates: Starting at 4.49%*
  • 5+ Unit Residential Properties
    Eligible Mixed Use
  • Loan: $500,000 - $5,000,000
  • Max Loan to As-Is Value: (subject to min FICO)
    Purchase/Rate-Term Refinance: 75%
    Cashout Refinance:
    • 75% (Loans<=$3MM)
    • 70% (Loans>$3MM)
  • Term Length: 5, 10, & 30 Years
Apply for loan

Ground Up

Haus Lending offers new construction loan financing that provides builders with a straightforward, common-sense lending program

Ground up

  • Residential 1-4 Units
  • Rates Starting at 7.95%*
  • Loan Amount - $50K - $2M
  • Max Loan to Cost (Land) 50% | 65% of Purchase (Land | Permitted Projects)
    100% of Rehab Costs
  • Max Loan to Cost (Total) - 85%
  • Max Loan to ARV - 75%
  • Term Length - Up to 18 Months
  • Recourse - Full Recourse
Apply for loan
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Over $3 Billion in loans for Real Estate Investors
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Over $2 Billion in loans for
Real Estate Investors
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Fix & Flip

  • Residential (1-4 Units)
  • Rates Starting at 7.95%*
  • Loan Amount: $50K - $25M
  • Max Loan to Cost - 90% of Purchase
    Price & 100% of Rehab Costs
  • Max Loan to ARV - 75%
  • Term Length - Up to 18 Months
  • Recourse - Full Recourse
Apply for loan

MULTIFAMILY

  • Residential 5+ Units
  • Rates Starting at 6.49%*
  • Loan Amount - $500,000+
  • Loan Types - Interest Only | Fixed/ Adjustable Rate Mortgage Options
  • Max Lone to Cost:
    - Purchase Loans: 80% of Purchase/As-is Value + 100% of Rehab Costs
    - Refinance Loans: 75% of As-is Value +100% of Rehab Costs
  • Max Loan to Stabilized Value - 75%
  • Up to 24 Months + Two 6-Month Ext.
  • Recourse:
    - Loans<=$2MM: Full Recourse
    - Loans > $2MM: Full Recourse or Limited Recourse with bad-boy carveouts
    Completion Guaranty/Reserve Replenishment Guaranty when applicable
  • Min Guarantor FICO - Mid-Score of 680
Apply for loan

single family

  • Rates: Starting at 4.49%*
  • Single Family/2-4 Unit/Townhomes/ PUD/ Warrantable Condos
  • Loan: $75,000 - $2,000,000
  • Types: 30-yr Fixed Rate Mortgage (Fully Amortizing) 5/1, 7/1, 10/1 Hyrbid ARMs (Partial IO or Fully Amortizing)
  • Term Length: 30 Years
  • Max LTC: If Owned < 6 months, 80% of Total Cost Basis
    If Owned Between 6 and 9 Months,
    Additional 5% haircut on Max Eligible LTV
  • Max Loan to As-Is Value:
    Purchase/Rate Term Refinance: 80% Cashout Refinance: 75%
  • Min Debt Service Coverage Ratio: 1.20x (Gross Rent/PITIA)
  • Recourse: Full Recourse Only
  • Min Guarantor FICO: Mid-Score of 680
  • Lease Requirements:
    - Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
    - Unleased Units: 90% of Market Rent (Purchase Loans only)
Apply for loan

RENTAL PORTFOLIOS

  • Rates: Starting at 4.49%*
  • Single Family/2-4 Unit/Townhomes/ PUD/Warrantable Condos
    5-20 Unit Properties allowed up to 15% of Loan Amount
  • Loan: $150,000 - $50,000,000
  • 5, 10 & 30-yr Fixed Rate Mortgage
    5/1, 7/1, 10/1 Hyrbid ARMs
    (Partial IO or Fully Amortizing)
  • Term Length: 5, 10 & 30 Years
  • Max LTC: If Owned <3 months, 80% of Total Cost Basis If Owned between 3 and 6 months, additional 5% haircut on Max Eligible LTV
  • Max Loan to As-Is Value:
    Purchase/Rate Term Refinance: 80% Cashout Refinance: 75%
  • Min Debt Service Coverage Ratio:
    1.20x (Gross Rent/PITIA)
  • Recourse: Full Recourse Only
  • Min Guarantor FICO: Mid-Score of 680
  • Lease Requirements:
    - Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
    - Unleased Units: 90% of Market Rent (Purchase Loans only)
Apply for loan

MULTIFAMILY TERM

  • Rates: Starting at 4.49%*
  • 5+ Unit Residential Properties Eligible Mixed Use
  • Loan: $500,000 - $5,000,000
  • Max Loan to As-Is Value: (subject to min FICO)
    Purchase/Rate-Term Refinance: 75% Cashout Refinance:
    • 75% (Loans<=$3MM)
    • 70% (Loans>$3MM)
  • Term Length: 5, 10, & 30 Years
  • Max LTC: if Owned <3 months,
    80% of Total Cost Basis
    If Owned between 3 and 6 months,
    additional 5% haircut on Max Eligible LTV
  • Min Debt Service Coverage Ratio (Net Cash Flow/Debt Service) 1.25x
  • Recourse: Full Recourse or Non Recourse with bad-boy carveouts and Pledge of Equity
  • Min Guarantor FICO: Mid-Score of 680
  • Lease Requirements: Min Occupancy Rate of 90% by Unit Count
Apply for loan

GROUND UP

  • Residential 1-4 Units
  • Rates Starting at 7.95%*
  • Loan Amount - $50K - $2M
  • Max Loan to Cost (Land) 50% | 65% of Purchase (Land | Permitted Projects)
    100% of Rehab Costs
  • Max Loan to Cost (Total) - 85%
  • Max Loan to ARV - 75%
  • Term Length - Up to 18 Months
  • Recourse - Full Recourse
Apply for loan