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It’s not rocket surgery - but a little advanced knowledge can save you tens of thousands in mistakes. That’s why I built this course. It’s all here. No upsells, no gimmicks. Just everything you need to start and build your house flipping business.

-Roger

5 Investor-Friendly Lenders Every Investor Should Know

A great deal can fall apart fast if you don’t have the right financing lined up. The best investors keep a short list of lenders who move quickly, understand unusual properties, and fund deals that traditional banks won’t touch. Here are five types of investor-friendly lenders every real estate investor should know—and when to use them.

1. Hard Money Lenders

These are the sprinters of the lending world. They fund flips, rehabs, and deals that need fast closings or major repairs. Expect higher rates and fees, but fast approval, asset-based underwriting, and flexibility make them a go-to for value-add deals.

2. DSCR Lenders (Debt Service Coverage Ratio Loans)

Perfect for rental investors. DSCR lenders qualify the property, not your personal income. If the rent covers the payment, the deal works. They’re ideal for scaling a rental portfolio and avoiding the limits of conventional lending.

3. Local Community Banks & Credit Unions

Often overlooked, but incredibly investor-friendly. They understand their market, offer portfolio loans, and are more flexible on credit, seasoning, and property condition. Build a relationship and they’ll fund deals a national bank never would.

4. Portfolio Lenders

These lenders keep loans on their books rather than selling them to Fannie/Freddie. That means they can adjust guidelines, approve unique situations, and craft loans tailored to investors—especially for mixed-use, small commercial, or multi-unit properties.

5. Private Lenders

Private money comes from individuals—retirees, professionals, other investors—who want a return secured by real estate. Rates vary widely, but terms can be fast, simple, and negotiable. Many successful investors eventually rely on private lenders as their primary capital source.

How to Find Them

• Attend REI meetups and ask who people use

• Join local and national Facebook groups

• Search BiggerPockets lender directories

• Ask agents, title companies, and other active investors

• Build relationships before your next deal hits the table

Bottom Line

Financing doesn’t have to be the barrier that keeps you from doing more deals. Build relationships with these five lender types and you’ll always have options—no matter the property, timeline, or market conditions.

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