Pro Investor Capital
We Specialize in DSCR & Mini DSCR Loans
The Outside the Box Approach to Business Purpose and Commercial Lending
We Specialize in DSCR & Mini DSCR Loans
Start your
Welcome to Pro Investor Capital
Finding the right lender can make or break your real estate investment. Whether you’re a seasoned investor or just getting started, securing the best rates and lowest closing costs is key to maximizing your returns.
At Pro Investor Capital, we connect you with a vast network of lenders, ensuring you get the most competitive business-purpose financing options available.
Your success starts with the right loan.
Let’s secure yours today.
Finding the right lender can make or break your real estate investment. Whether you’re a seasoned investor or just getting started, securing the best rates and lowest closing costs is key to maximizing your returns.
At Pro Investor Capital, we connect you with a vast network of 50+ lenders, ensuring you get the most competitive business-purpose financing options available.
Your success starts with the right loan. Let’s secure yours today.
Explore some of our Top Programs
DSCR Loans
Rental property financing that evaluates the property's income potential rather than the borrower's personal earnings. Uses the Debt Service Coverage Ratio. Ideal for building long-term rental portfolios.
DSCR Loans
Rental property financing that evaluates the property's income potential rather than the borrower's personal earnings. Uses the Debt Service Coverage Ratio. Ideal for building long-term rental portfolios.
Fix & Flip Loans
Short-term financing for property investors seeking quick renovations and resales. Features fast approvals (days not weeks), interest-only payments, and 12-month terms. Perfect for transforming homes.
Fix & Flip Loans
Short-term financing for property investors seeking quick renovations and resales. Features fast approvals (days not weeks), interest-only payments, and 12-month terms. Perfect for transforming distressed homes.
Mini DSCR Loans
Streamlined financing solution designed specifically for smaller rental property investments under $150k. Offers faster approvals with simpler documentation. Perfect for growing investment portfolios.
Mini DSCR Loans
Streamlined financing solution designed specifically for smaller rental property investments under $150k. Offers faster approvals with simpler documentation. Perfect for growing investment portfolios.
Frequently Asked Questions
What is a pre-payment penalty?
A pre-payment penalty is a fee lenders charge if you pay off your loan early, such as refinancing or making extra payments. It helps lenders recover lost interest. Not all loans have this penalty, so check your loan terms to avoid surprises.
Do I need an appraisal?
You typically need an appraisal when buying, selling, or refinancing a home, as lenders use it to verify the property’s value. However, some refinancing programs or cash purchases may not require one. Always check with your lender or real estate professional to confirm.
What is ARV? (After Renovation Value)
ARV, or After Renovation Value, is the estimated market value of a property after renovations. It’s crucial for real estate investors and lenders to assess profitability and loan amounts. ARV is calculated by comparing similar properties and evaluating the impact of planned upgrades.
What is a Fix N Flip Loan?
A fix and flip loan is a short-term loan for real estate investors to buy, renovate, and sell properties for profit. It covers the purchase price and renovation costs, with repayment due after the property is sold. These loans are ideal for house flippers due to their fast approval and flexible terms.
How does the IRS define an investment property?
The IRS defines an investment property as real estate purchased to generate income, profit, or appreciation, not for personal use. Rental income is taxable, but expenses like repairs and depreciation are deductible. Selling the property may trigger capital gains tax, though strategies like a 1031 exchange can defer taxes.
How many investment properties can I own?
There’s no legal limit to how many investment properties you can own. However, financing, debt-to-income ratio, and cash flow management are key factors. Most conventional lenders allow 4–10 mortgages, but portfolio or commercial loans can help you scale further.
How do I get a mortgage with no personal income?
You can qualify for a mortgage without personal income by using rental income, assets, business income, or a co-signer. Lenders may also accept non-traditional income like alimony or disability benefits. Programs like asset depletion loans or government-backed loans offer additional flexibility.
Can I get a fixed interest rate?
Yes, fixed interest rates are available for both home loans and commercial renovation loans. They provide predictable payments and protect against rising rates, making them ideal for long-term projects. To secure the best fixed rate, compare lenders, check your credit score, and consider locking your rate during the application process.
What is the minimum credit score for an investment loan?
The minimum credit score for an investment loan typically ranges from 620–680, depending on the lender and loan type.
Fast Financing Nationwide
Pro Investor Capital delivers seamless financing solutions for investors quickly and reliably across the country.