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Financing by Property Type

Not all properties qualify for standard loans. We have lenders for every type — from single family homes to barndominiums and construction.

Single Family (1–4 units)

Most programs available. Best rates and highest lender competition.

  • All programs: Conv, FHA, VA, USDA, Non-QM
  • Primary, second home or investment
  • FICO from 500 on select programs
  • Up to 97% LTV on primary residence

Condo / Townhouse

Warrantable and non-warrantable condos. Florida condo specialists.

  • Warrantable: all agency programs
  • Non-warrantable: Non-QM solutions
  • Condotel financing available
  • FHA-approved buildings accepted

Manufactured / Mobile Home

FHA and conventional programs with permanent foundation.

  • FHA Title I & II programs
  • Permanent foundation required for conventional
  • Land + home combination loans
  • FICO from 580

Construction-to-Perm (OTC)

One-time close: build and finance in a single loan.

  • Single closing — lock rate before construction
  • Conventional, FHA and VA OTC programs
  • Land purchase included
  • Custom builds and modular homes

Barndominium

Metal and hybrid residential structures. Portfolio lenders available.

  • Non-QM and portfolio lenders
  • Must have permanent foundation
  • Specialty appraisal required
  • FICO from 620 typically

Multi-Family (5–24 units)

Apartment buildings and complexes. DSCR available.

  • DSCR: qualify on rental income
  • LLC and corporate entities accepted
  • Value-add and stabilized properties
  • Up to 80% LTV

Short-Term Rental (AirBnB)

Qualify using AirBnB / VRBO income for DSCR.

  • AirDNA or market rent analysis accepted
  • No personal income docs required
  • Single family, condos and multi-unit
  • LLC or individual borrowers

Your next step

Let’s review how this path fits you.

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