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Leading Direct Lender for Investor Property Loans

  • Qualify based on Your Rental Income
  • NO Income Verification
  • NO Ratio (Debt Service Coverage Ratio)
  • NO Tax Returns
  • NO Limit on Financed Properties
  • Loan up to 80% Value 

Get a Quote Now!

It’s Free with No Obligation

Rental Property Loans For Investors

American Heritage Lending is the leading national lender to real estate investors. We specialize in purchase and refinance loans for real estate investment properties, rental property mortgages and non-owner occupied properties. Our loan products you need to help you get the lending you need, as quickly as you need it. We work directly with Borrowers, Investors, Flippers, Landlords, Brokers, Property Managers and Real Estate Agents.  Our business purpose loans are fast, simple and transparent, and best of all, we can fund in as little as 5 days.

It doesn’t matter if you own one property or an entire portfolio, American Heritage Lending is the answer to help you pull cash out to buy additional properties or simply remodel one of your existing ones.  For over 15 years, we have helped real estate investors across most states in the U.S. build their portfolios.

Get started today!

Call 800-745-9280 and speak to one of our experienced investor loan representatives or check a few boxes on our form above and we’ll contact you to explain the options available. No cost. No obligation. Completely confidential.

It’s All About the Asset!

DSCR Mortgage Loans Use Investment Property Income To Qualify For Funding for your investment property purchase or rental property refi.

It’s about the asset, not your income, or tax returns, or bank statements or employment… or really anything else. Qualifying is as simple as your credit report and an appraisal!  Our unique rental property mortgage products allow you the flexibility to acquire multiple properties, rehab existing ones and leverage your cash position. 

DSCR or debt service coverage ratio is the relationship of a property’s annual net operating income (NOI) to its debt service including principal and interest payments. We use the DSCR to calculate how much funding can be supported by the cash flow generated from the property. Your own personal income will not be considered on this commercial investment property mortgage product.

Get Approved Today!

Call Now: 800-745-9280
  • No Income or Asset Documentation Required
  • No W-2’s or Tax Returns Required
  • No Pay Stubs Required
  • No Job Income Required
  • Up to 80% of value
  • FICO Score as Low as 680
  • Credit Report and Appraisal Only for Qualification
  • Interest Only / ARM / Fixed Loans Options
  • Debt Coverage as low as 1.00
  • SFR, Condo, Townhome and 2-4 Units
  • Foreign Nationals & Non-Perm Resident Aliens
  • Finance up to $2 million per

Flexible Loans to Maximize ROI

American Heritage Lending works with you to structure the best possible loan to meet your real estate investment property needs and maximize the return on your real estate investments. Whether you are looking to purchase another investment property or rehab an existing property, American Heritage Lending makes the process simple and fast with funding in as little as 5 days.

Frequently Asked Questions

Answers to Common Investment Property Questions
1. What kind of loan programs do you offer?
  1. Bridge Loans
  2. Fix N Flip Loans
  3. Long Term Rental Loans
2. What property types do you make loans on?
  1. SFR 1-4
  2. Multi-Family
  3. Condos
3. How long does it take to get a loan?
  1. Short Term Loans – our process can take as few as 5 days.
  2. Long Term Rental Loans – all of our loans can be closed in less than 21 days.
4. What is your Prepayment Penalty?
  1. Short Term Loans – there is no PPP.
  2. Long Term Rental Loans – we can structure loans with no PPP or up to a 3 year PPP.
5. What type of experience do I need to qualify?

We can work with Real Estate Investors at any point in their career. Even Investors that have yet to purchase their first property.

6. Do you offer financing for the rehabs on my project?

We will finance 100% of your budget as long as the ARV meets our guidelines.

7. What is the lowest credit score you will accept?

We use a FICO score of 640 as a rule. But, we do look at the overall credit history.

A Lender You Can Trust

American Heritage Lending has been lending for over 15 years and have strong relationships in the market and a cohesive management team. We understand that we are only as good as our last loan. Founded in 2004, American Heritage Lending specializes in the hard-money sector of bridge, fix and flip, and long-term rental property loans. We are a direct lender partnered with one of the largest hedge funds in America. This gives us the flexibility to expedite your loan process. 

We have experience in all facets of real estate lending and understand the complexities of serving the investor market. Our team is with you every step of the way, from loan submission to funding. Bringing a simple, unparalleled, common-sense approach to underwriting, American Heritage Lending is the only sensible choice for your investment property loan needs.

“Just a note of appreciation to you and your team, you always step up to the plate, such a pleasure to work with such an amazing team! I AM YOUR BIGGEST FAN!!!!!!!!!”

Jerrod Araya

Real Estate Investor, CA - 05/2018

Thank you so much. This has been by far, the best loan process I had.  You all have all set the bar pretty high.  Thank you again for everything. laughing

Ken Shan

Rental Property Owner, TX - 01/2019

AMERICAN HERITAGE LENDING STATE LICENSING INFORMATION - NMLS ID: 93735

Click here for access to the Consumer NMLS

FHA Lender ID 27897-0000-1  ⋅  VA Lender ID 902138-00-00

State licenses: Arizona Mortgage Banker License 0912684; California - Department of Financial Protection and Innovation, Pursuant to California Financing Law License Number 603G668; California - DRE Real Estate Corporation License Endorsement 01844643; Colorado Mortgage Company Registration 93735; Florida Mortgage Lender License MLD94; Iowa Mortgage Banker License 2018-0155; Maryland Mortgage Lender License 18412; Nebraska Mortgage Banker License 93735; Oregon Mortgage Lending License ML-4808; Virginia Broker License MC-5775; Virginia Lender License MC-5775; Washington Consumer Loan Company License CL-93735.

Submitting a form from this website does not obligate you to enter into an agreement with American Heritage Lending; nor does it constitute an application for a mortgage loan. Submitting this form does authorize yourbridgelender.com to deliver this form to a American Heritage Lending mortgage loan officer who will contact you by phone and/or email to respond to your inquiry into the American Heritage Lending mortgage programs and financing solutions.

Your Bridge Lender, a division of American Heritage Lending, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.