OpenLane Funding offers a full suite of investment property loan programs designed for real estate investors, developers, and operators. Whether you’re flipping your first property, scaling a rental portfolio, or building from the ground up, we have the right capital structure for your deal. Rates, terms, and qualifications vary by lender and borrower profile—the ranges below represent typical market pricing across our extensive lender network. Submit your deal for a personalized quote.
Loan Type
Rate Range
Fix & Flip / Bridge
7.5% – 13.5%
DSCR Rental
5.75% – 9.5%
Ground-Up Construction
9.5% – 14%
LTV / LTC
Up to 90–95% LTC; 70–80% ARV
Up to 85% LTV
Up to 85–90% LTC; 65–75% Completed Value
Min Credit
Loan Amounts
Term
Closing
0–680
$30K – $5M+
6–36 months
7–21 days
600–660
$55K – $5M+
30-year fixed, ARM, I/O
14–30 days
620–700
$75K – $10M+
12–24 months
14–30 days
Multifamily (5+ Units)
6.5% – 12%
Up to 75–80% LTV; 80–85% LTC
0–700
$75K – $25M+
Bridge: 12–36 mo; Perm: 5–30 yr
21–45 day
Commercial
7% – 13%
Up to 75% LTV; 70–80% LTC
0–700
$75K – $25M+
Bridge: 12–36 mo; Perm: 5–25 yr
21–60 days
Fix & Flip Loans
Short-term financing designed for investors buying, renovating, and reselling properties. Fix & Flip loans prioritize speed and flexibility, helping you move quickly on value-add opportunities without long approval timelines.
Ground-Up Construction Loans
Short-term financing designed for investors buying, renovating, and reselling properties. Fix & Flip loans prioritize speed and flexibility, helping you move quickly on value-add opportunities without long approval timelines.
Rental DSCR Loans
Asset-based loans that qualify the property using rental income instead of personal income. Approval is based on the property’s Debt Service Coverage Ratio (DSCR), making them ideal for long-term rental investors.
Multifamily Loans
Financing for 2–4 unit and larger multifamily investment properties. These loans support investors looking to acquire or refinance income-producing assets at scale.
Commercial Loans
Flexible financing for commercial properties including mixed-use, office, retail, and specialized assets. Commercial loans are structured around the property’s income and long-term investment strategy.