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Real Estate Investor Loan Programs

NO INCOME VERIFICATION NEEDED! Pineyro Capital Group Inc., NMLS# 420112, along with our private money division, has supported real estate investors in expanding or initiating their investment portfolios since 2008. Our real estate investment mortgage programs cater perfectly to investors ineligible for traditional financing. Our loan approvals are based on the current or after-repair value of the property, projected income from the property, and the borrower(s) middle FICO score.

For real estate investors

Explore Our Wide Range of Loan Products for Real Estate Investors

With over 100 approved banks and 200+ loan programs, we can offer every loan program in Florida. Our extensive selection covers anyone looking to buy or refinance, whether you're a first-time buyer, looking to refinance for a lower rate, pay off debt, make home improvements, or a new or experienced real estate investor. Click below to get started on finding the right loan for you.

Long Term Buy-N-Hold (DSCR)

A Debt Service Coverage Ratio (DSCR) loan is a type of investment loan that evaluates a property's ability to generate sufficient income to cover its debt obligations. Lenders typically require a DSCR of 1.00 or higher, however we proudly offer NO RATIO DSCR options.

Fix and Flip Mortgage

A fix and flip loan is a short-term financing option designed for real estate investors who purchase properties with the intention of renovating and reselling them for a profit. These loans provide funds for both the purchase of the property and the renovation costs, typically with a quick approval process and flexible terms.

Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

Ground Up Construction

Ground-up construction refers to the process of building a structure from scratch, starting with an empty plot of land. This type of construction involves various stages, including site preparation, foundation laying, framing, and finishing, ultimately resulting in a completed building ready for occupancy.

Bridge Loans (aka Hard Money)

Bridge loans, also known as hard money loans, provide short-term financing to bridge the gap between the purchase of a property and its long-term financing or sale. These loans are often used by real estate investors to acquire properties quickly or finance renovations, with the property itself serving as collateral.

Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

Small Balance Multifamily

Our specialized small balance multifamily loan option offers an ideal solution for investors seeking to acquire commercial apartment buildings ranging from 5 to 24 units. With a focus solely on the property's DSCR, your assets serve as the down payment, requiring only a minimum FICO score for eligibility. Join the ranks of seasoned investors and leverage this program to make significant strides in the commercial real estate market.

Transactional Funding

Transactional funding provides short-term financing for real estate investors to facilitate simultaneous transactions, typically involving a double closing. Investors use these funds to purchase a property and then immediately resell it to another buyer, often within the same day. This financing option enables investors to capitalize on profitable deals without the need for substantial upfront capital.

Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

The whole process from start to finish was absolutely magnificent. Robert when above and beyond to keep everyone at ease during the process. Communication was always available! Will definitely work with the Pineyro team again!! I highly recommend them

Alexa Young, Buyer, Florida

Let’s Talk

Ready to purchase a property and need help with financing? Get in touch to find out how we can help with your mortgage needs.

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