Introduction
If you’re a business owner, you already know the game: write everything off to lower your taxes, and next thing you know—you can’t get approved for a traditional loan.
But guess what? There are a less-common option available for you that don’t require a W-2 or tax returns to buy real estate.
The loans below are specifically built for entrepreneurs like you—who run lean, write off everything, and still want to invest and grow.
Let’s break them down.
Loan #1: Fix & Flip Loans
Buy a property, fix it up, and sell it for a profit—all with one loan.
Lenders only care about the numbers of the project, not your taxes or job.
A fix and flip loan can be used to buy the property and finance the renovation costs.
For example, you find an “ugly” property for $300,000, add $50,000 of renovations and sell it for $450,000. The typically covers 85% of the property and renovation (sometimes even higher if you have experience).
You can use this loan to fix & flip single-family and 2 -4 unit multi-family properties.
Lender looks at:
- Property value
- Renovation costs
- Sale potential (ARV)
Ideal if you:
- Have access to contractors or can handle remodels
- Want fast Want fast returns but don’t want to tie your cash to the project to build equity
- Have access to good deals
You’ll need:
- 650+ credit score (no credit score if you’re an international investor)
- A property with solid profit margin (lenders look for 15% net profit margin to approve a loan)
Typical Terms:
- 15–25% down
- 3–24 month loan duration
- 12–13% annually (interest-only payments)
- Principal is paid when property is sold
Loan #2: Build & Sell Loans
Do you own a piece of land? Want to build on it and flip? This one’s for you.
Build & Sell loans are similar to Fix & Flip loans, but with ground-up construction
You can use the loan to buy the lot or build on one you already own and sell new construction for top dollar.
You can use this loan to build single-family and multi-family properties.
Lender looks at:
- Lot value
- Build cost
- Sale potential (ARV)
Ideal if you:
- Are a builder or contractor
- Want fast returns but don’t want to tie your cash to the project
You’ll need:
- 650+ credit score (no credit score if you’re an international investor)
- A property with solid profit margin
Typical Terms:
- 15–25% down (or less if you own the land)
- 6–24 month loan duration
- 19–11% annually (interest-only payments)
- Principal is paid when property is sold
Loan #3: Buy & Rent Loans
If you want to buy rental properties without showing tax returns, income, or employment verification, this loan is for you.
To get approved for this type of loan, the lender only cares about the revenue and expenses of the property. If the monthly rent can pay the mortgage, insurance, and taxes, you can get approved.
You can use this loan to buy single-family and multi-family properties.
The rentals can be long-term, mid-term, or short-term like Airbnbs.
Lender looks at:
- Property being turn-key for rental or already with renters
- Rental comparables
- The rent should cover monthly expenses
Ideal if you:
- Want to buy rental properties but don’t qualify for traditional loans
- Want to buy property rentals and not depend on traditional requirements like your income, taxes, or debt-to-income ratio
You’ll need:
- 650+ credit score (no credit score if you’re an international investor)
- No income or tax docs needed
Typical Terms:
- 20–30% down (30% if you’re an international investor)
- Up to 30 year loan duration
- 6.5-8.5% annually (varies with downpayment and ratio)
Loan #4: Fix & Rent Loans
Buy, renovate, refinance, and rent. This hybrid loan lets you fix & flip a property, then turn it into a long-term asset.
It first uses the Fix & Flip loan and then it refinances it using the Buy & Rent loan.
Use it to:
- Pull cash out if you create equity
- Transition from short-term loan to 30-year mortgage
Who it’s for:
- Self-employed investors who want to buy low and not pay for renovations out of pocket
- Owners who prefer to hold, not sell
Final Thoughts + CTA
Just because your tax return says you “don’t make money” doesn’t mean you shouldn’t qualify for real estate financing.
At InvestorHQ, we help business owners like you invest smart—without traditional bank headaches.
Talk to us about your goals and needs and we’ll help you qualify for loans for your real estate projects.