Business Purpose & Non-QM Lending

Capital structured around your investment.

We source financing for investment properties and business ventures that conventional lenders walk away from. DSCR loans, fix and flip, commercial, SBA, and every non-QM program in between. No W-2 required.

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States We Serve

Loan Programs

100%

Business Purpose

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DSCR Loans● Fix & Flip Financing● Cash-Out Refinance● Commercial Real Estate● SBA 7(a) & 504● Airbnb / STR Loans● Bank Statement Loans● Hard Money & Bridge● Non-QM Lending● No W-2 Required● DSCR Loans● Fix & Flip Financing● Cash-Out Refinance● Commercial Real Estate● SBA 7(a) & 504● Airbnb / STR Loans● Bank Statement Loans● Hard Money & Bridge● Non-QM Lending● No W-2 Required●

Loan Programs

Every investment deal has a path to funding.

All of our programs are designed exclusively for non-owner-occupied investment properties and business-purpose transactions. We do not offer consumer mortgage loans or owner-occupied financing.

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38 States • 8 Programs

DSCR Loans

Qualify on your rental property's income, not your tax returns or W-2s.

Fix & Flip

Short-term bridge financing for non-owner-occupied renovation projects.

Commercial RE

Multifamily, mixed-use, office, and industrial investment property loans.

SBA Loans

7(a) and 504 programs for business owners acquiring commercial real estate.

Airbnb / STR

DSCR loans structured around short-term rental income for investment properties.

Bank Statement

12 or 24 months of business deposits qualify self-employed investors and owners.

Cash-Out Refi

Access equity in investment properties to fund your next acquisition.

Hard Money / Bridge

Asset-based lending when speed matters more than conventional timelines.

Who We Serve

Built for investors and business owners.

Real estate investor reviewing investment property

Portfolio Investors

Rental Portfolio Builders

Scale your non-owner-occupied rental portfolio with DSCR and bridge financing that qualifies on property income, not yours.

Business owner acquiring commercial real estate

Business Owners

Commercial Borrowers

SBA loans and bank statement programs for business owners acquiring, refinancing, or cashing out of commercial investment properties.

First-time real estate investor getting started

New Investors

First Investment Properties

We guide first-deal investors from product selection through closing on their first non-owner-occupied rental or flip.

No Personal Income Required

Every program we offer qualifies borrowers based on the investment property's performance, your business deposits, or the asset itself, not your personal tax returns.

II.

Non-Owner Occupied Only

We specialize exclusively in business-purpose and investment property lending. That focus means deeper expertise, better lender relationships, and faster approvals for your deals.

III.

38 States, One Broker

Business-purpose loans do not require a broker license in most states, which means we can fund your investment property portfolio coast to coast under one trusted relationship.

How It Works

From deal submission to funding, we run the process.

Submit Your Deal

Tell us the property type, purchase price, and your investment goal. We identify the right loan program within hours, not days.

Receive Options

We present pricing, terms, and timelines from our lender network based on your specific investment scenario.

Process & Approve

We manage every document, every condition, and every lender touchpoint so the file moves without delays.

Close & Fund

We coordinate with title and escrow to get your investment property funded on the timeline your deal requires.

Client Experiences

What our investors say.

★★★★★

Two conventional lenders passed on my rental property because of the DSCR ratio. EquityNest understood the income model, structured the loan correctly, and closed in 18 days. The knowledge of non-QM investment lending is unmatched.

Marcus T.

Buy-and-Hold Investor, Atlanta, GA

★★★★★

I own three businesses and none of them show income the way a bank wants to see it. The bank statement program let me qualify on actual cash flow and I was able to pull equity out of my commercial building in under 30 days.

Diana R.

Business Owner, Commercial Borrower, Miami, FL

★★★★★

We used projected short-term rental income to qualify for our Airbnb investment property. EquityNest knew exactly how STR DSCR loans work when no other broker would touch it. We have since closed three more investment deals with them.

Jordan & Aisha K.

Short-Term Rental Investors, Nashville, TN

Capital structured around your investment.

Every investment deal has a path to funding.

DSCR Loans

Fix & Flip

Commercial RE

SBA Loans

Airbnb / STR

Bank Statement

Cash-Out Refi

Hard Money / Bridge

Built for investors and business owners.

Rental Portfolio Builders

Commercial Borrowers

First Investment Properties

No Personal Income Required

Non-Owner Occupied Only

38 States, One Broker

From deal submission to funding, we run the process.

Submit Your Deal

Receive Options

Process & Approve

Close & Fund

What our investors say.

Ready to fund your next investment property?