Built for investors.
More ways to fund the deal.
Fix & flip, DSCR rental, ground-up construction and commercial loans, with one application and one team from quote to closing.
Three ways to fund
your next property
01Fix & Flip
Buy, renovate and sell with short-term financing.
02Rental DSCR
Long-term rentals, Airbnbs and more, qualified on the rent, not your income.
03Ground-Up Construction
Build to sell or build to rent, funded in draws.
Buying or refinancing commercial property? See commercial loans
*For qualified borrowers. Rates and terms vary by program and aren't available together on one loan.
Why investors choose
HomeShield Lending
Up to 100% Financing
Experienced flippers can finance the full purchase and rehab.*
Four Flip Programs
Choose lower cost, more leverage, easier qualifying or no early payments.
FICO From 620
First-time investors welcome.*
What matters most
on this deal?
Pick your priority to see the program built for it.
Choose your priority
Best for: strong borrowers who want the lowest cost.
Where we lend
Our investor loans are available in 36 states plus Washington, D.C. Specific programs can vary by state, and we confirm availability with every quote.
Don't see your state? Contact us. We're adding states regularly.
Available in: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, New Hampshire, New Mexico, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, Wyoming.
Common questions
Who is HomeShield Lending?
The investor-lending division of HomeShield Mortgage, LLC (NMLS #2516887), based in Louisville, Kentucky. We offer fix & flip, DSCR rental, ground-up construction and commercial loans for real estate investors.
Can I use these loans for my own home?
No. These are business-purpose loans for investment property only. For a home you'll live in, visit HomeShield Mortgage.
Do I need investing experience?
No. First-time investors can qualify. More experience usually means better rates and more leverage.
How quickly will I hear back?
Most scenarios get loan options within one business day. Call us if your deal is time-sensitive.
Do you lend in my state?
We offer investor loans in 36 states plus Washington, D.C. Check the Where We Lend map above, or include your property state in the quote form and we'll confirm.