These are Stated income business purpose and no-tax return loan programs designed specifically for residential property investors and high-end residential developers.

Investment Property Loans 1 – 4 Units

The Funding Group has a clear and deep understanding of real estate investors and has long-standing relationships with local lenders who will underwrite investment property loans with or without tax returns.

A handful of underwriting methodologies may be used in assessing what program best fits with the borrower’s financial profile including focusing solely on the properties cash-flow or property valuation.

The Funding Group offers programs with extremely highly competitive interest rates that take into account both the rental property cash-flows as well as the borrower’s income statement and balance sheet.

Our lenders will also make the loan directly to the LLC limited partnership (LP) or corporation and provide interest-only adjustable rate mortgages (ARM’s) with no limit to cash-out proceeds.

Interest-only loans are available, which may assist property cash flow a good amount. A majority of loan programs for rental and investment properties carry no pre-payment penalty.

Rates are fixed from 3 years up to 10 years. The term of the loan is typically 30 years.







Who Are These Loans For?

  • Loans from $500,000 up to $25 million specifically designed for residential 1 – 4 single-family residences.
  • Interest-only rental property loan options OK.
  • LLCs, limited partnerships, corporations, and irrevocable trusts OK.
  • Cash-out OK up to 60% of appraised value. No-limit on cash-out proceeds.
  • Stated income (business purpose) investment property loan programs up to $5.1 million with interest only available. Maximum loan-to-value 60% of appraised value.
  • Custom loan structures for rental property and investment property homes including cross-collateralized and blanket loans with interest only.
  • No tax returns required to qualify. Borrower’s qualification is based on cash-flow from the subject property or borrower income statement and balance sheet. Better interest rates available when borrower fully discloses financials.
  • Foreign borrowers and foreign real estate investors welcomed.
  • Loan options with no prepayment penalty available.

Our Added Features

Here are some of the added features of these loans:


  • 48-72 hour Letter of
    Intent (LOI), close as
    quickly as 14 days.
  • Loan options with no
    prepayment penalty.
  • Loan options with no
    prepayment penalty.
  • LLC, blind trust, irrevocable trust, and corporate vesting welcomed.

I had a very difficult situation with complexities that I will not go into but Wes was patient and stood by us the entire time. He was smart and had a lot of creative ideas. I cannot thank him enough and will be going back to him when I make my next purchase!

Garret W.

Frequently Asked Questions

What is the lowest fico you accept ?

580 credit score

What is the minimum down payment?

10% on Jumbo and 5% for conventional

Do you have programs that don’t require tax returns?

Yes, bank statement and DSCR program and full stated program

Start Your Loan Application

Ready to start your loan application process? Simply fill out this contact form and one of mortgage brokers will be in contact with you in a timely manner.

At The Funding Group we deliver the absolute best lending experience through knowledge, communication and care.

Our mission supports the growth and strength of our communities and provides a pathway to the dream of home ownership.


451 N Canon Dr Suite 1
Beverly Hills California 90210


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