Investment property loans

Capital for investors who move fast.

DSCR rental loans, fix & flip bridge financing, ground-up construction and commercial property loans — approved on the strength of the deal, with term sheets in as little as 24 hours.

Construction Loans

Ground-up financing from land to certificate of occupancy.

Financing for new builds and major additions. Funds are released in stages as construction milestones are met, and you only pay interest on the money that's been drawn — keeping carrying costs low while you build.

Ideal for

Ground-up spec homes5+ unit multifamily buildingsMixed-use propertiesBuilders and developersTear-down and rebuild projectsMajor additions and conversions
  • Land or lot equity can count toward your down payment
  • Milestone-based draw schedule
  • Extension options available
  • Exit into a DSCR loan or sale

Documents you'll need

  • Approved plans and permits (or permit status)
  • Detailed construction budget and timeline
  • General contractor info and contract
  • Land purchase contract or deed
  • Builder experience / resume, LLC docs and photo ID

How to apply

From first call to funded in five steps.

  1. 1

    Tell us about the deal

    Share the property address, purchase price, rehab or build budget and your strategy. Takes about 5 minutes.

  2. 2

    Get a term sheet

    We review the numbers and send you rates, leverage and terms — usually within 24–48 hours.

  3. 3

    Submit your documents

    Upload the checklist for your program. Your founder-level contact helps you fill any gaps.

  4. 4

    Appraisal & underwriting

    We order the appraisal (with ARV for rehab and construction) and underwrite the deal.

  5. 5

    Close & fund

    Sign, close and get funded. Rehab and construction draws are released as work is completed.

Getting approved

What helps your file sail through.

Investor loans focus on the deal more than your paycheck. Come prepared with these and approvals move fast.

Start my application

Know your numbers

Have a clear purchase price, budget and — for DSCR — a realistic rent estimate ready.

Keep reserves on hand

Most programs want 3–6 months of payments in reserves after closing.

Form your LLC early

Closing in an entity? Have your articles, operating agreement and EIN ready.

Show your experience

A list of past projects can unlock higher leverage and better pricing — but it's not required.

STL Equities

Independent mortgage brokerage helping families buy, refinance and invest across New York since 2019.

CompanyNMLS ID #1320558

Contact

(929) 503-1041 inquiries@stlequities.com

450 Lexington Ave, Suite 2200, New York, NY 10017

Mon – Fri 8am – 7pm ET · Sat 9am – 2pm ET

Equal Housing
Opportunity

STL Equities LLC · NMLS ID #1320558. Licensed Mortgage Broker — NYS Department of Financial Services. Verify our license at nmlsconsumeraccess.org.

We are an Equal Housing Opportunity mortgage broker. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All loans subject to credit approval, underwriting review and property appraisal. Rates, terms and programs are subject to change without notice. This is not a commitment to lend.

© 2026 STL Equities LLC. All rights reserved.