Financing programs guide
Real Estate Investor Financing Programs
Zion Noah Capital is a real estate investor financing brokerage, not a direct lender. We help investors understand their financing options and identify potential paths based on the property, strategy, borrower profile, and current lender guidelines. Serving real estate investors nationwide, subject to state requirements and lender program availability. Explore the programs below.
Core financing
Core real estate investor financing
DSCR Rental Loans
Rental financing underwritten primarily on property cash flow (Debt Service Coverage Ratio) for purchases, refinances, and eligible cash-out.
Explore DSCR Rental LoansFix & Flip / Rehab Loans
Short-term acquisition plus eligible renovation draws, sized with ARV and LTC, for resale or rent-and-refinance (BRRRR) exits.
Explore Fix & Flip / Rehab LoansBridge Loans
Temporary, usually interest-only financing for fast acquisitions, lease-up, stabilization, and maturing debt — renovation optional.
Explore Bridge LoansGround-Up Construction
Vertical construction funded in staged draws: spec homes, tear-down rebuilds, small multifamily, and build-to-rent.
Explore Ground-Up ConstructionMultifamily Loans
5+ unit residential financing in two lanes: bridge/value-add for transitional assets and permanent term debt for stabilized buildings.
Explore Multifamily LoansPortfolio & Blanket Loans
One loan or coordinated structure across multiple properties for portfolio purchases, refinances, and consolidation.
Explore Portfolio & Blanket LoansCommercial Real Estate Financing
Income-producing commercial property — mixed-use, retail, industrial, self-storage, and more, where eligible.
Explore Commercial Real Estate FinancingInvestment Property Refinance
Refinance is a purpose, not a program: rate-and-term, cash-out, and bridge-to-permanent across structures.
Explore Investment Property RefinanceThese are financing considerations, not a quote or universal lender limits. Rates, credit thresholds, loan amounts, leverage and closing dates require current lender confirmation for your property, borrower profile and location. No offer, approval, commitment or guarantee is implied. Financing availability depends on applicable state requirements, lender guidelines, property type, and program eligibility.
Specialty financing
Specialty programs for specific strategies
Short-Term Rental & Airbnb
Financing for nightly and weekly rentals, qualified using operating history, market analysis, or approved projections.
Explore Short-Term Rental & AirbnbLand Acquisition & Development
Land, entitlements, and horizontal site work before vertical construction. Availability is lender-specific.
Explore Land Acquisition & DevelopmentInvestor Lines of Credit
Secured revolving or non-revolving facilities for experienced investors running repeat acquisitions and projects.
Explore Investor Lines of CreditInvestment Property HELOC
A revolving line of credit secured by an investment property, for eligible real-estate investors accessing equity.
Explore Investment Property HELOCInvestor business credit
Business credit for real estate investors
Real Estate Investor Business Line of Credit
Flexible access to business capital for property-related expenses, project costs, acquisitions, and portfolio operations.
View Real Estate Investor Business Line of CreditNot sure which program fits?
That's normal — and it's exactly what a broker is for. Send us the deal and we'll tell you which structures make sense and which ones don't.