Fix & Flip
Loans to purchase, restore and renovate residential properties.
Financing for real estate investors
Investor Loans
Financing built around the property and the deal rather than W-2 income — covering short-term, bridge, rental, and commercial strategies.
Get Started01 / Investor financing
Short-Term & Fix-and-Flip
Ground Up
New construction financing for real estate developers.
0 Down Fix & Flip
100% funding up to 70% of ARV.
Inexperienced Builders / Flippers
For inexperienced builders with no ground-up construction experience.
02 / Investor financing
Bridge & Transitional
Multifamily Bridge
Bridge loans for multifamily and mixed-use real estate.
Stabilized Bridge
The borrower does not want to be locked into a long-term loan and no renovation is needed.
Pure Commercial Bridge
Bridge loans up to $25mm for industrial, warehouse, self-storage & retail, cannabis, new construction, hotels, motels, hospitality, and restaurants. Max 70% LTV. Min 620 FICO.
Commercial Rehab
Rehab loan for multifamily or mixed-use (majority residential) developments up to 100 units & $5mm.
03 / Investor financing
Rental & Portfolio
Single Family Rental
Long-term capital to purchase or refinance single-family properties.
Rental Portfolios
Long-term capital to restore rental properties.
Multifamily Term
Long-term loans for multifamily and mixed-use rental properties.
Airbnb Vacation Rental
LTV of up to 70%.
Commercial DSCR
A long-term DSCR program for 5+ unit multifamily & mixed use (up to 75% LTV) or office, retail, warehouse, self-storage, and automotive (up to 70% LTV).
04 / Investor financing
Specialty & Flexible
Land
Land from $350k to $25 million. 35–50% LTV, fully entitled, shovel-ready, and case by case.
Credit Impaired or No DSCR
30-year no-DSCR, no-credit-minimum term loans on 1–4 unit, mixed use & commercial. FICO 599 and below to 50% LTV; 600–649 up to 65%; 650 and above to 75%.
Why Iron Oak
Why investors work with Iron Oak Lending
Access to multiple lenders rather than one fixed menu of options.
Structures matched to the deal itself, not only to a W-2 income story.
Speed and clear communication when a time-sensitive acquisition needs a next step.
A single point of contact from application through closing.
These investor programs sit alongside our Non-QM and DSCR offerings, so the conversation can stay focused on the property, the plan, and the right fit.
Bring us the deal
Have a property, project, or portfolio in motion? Bring us the deal and we’ll help you understand which financing path fits the story.
Program terms, loan amounts, LTV and credit requirements vary by lender and by deal and are not a commitment to lend. All loans subject to credit approval.