Real Estate Financing
Built for Investors & Owners

Whether you're flipping your next deal, scaling a rental portfolio, or financing your headquarters — we have a vetted lender for it. Close in 7–14 days. No income verification required on most asset-based products.

Loan Products

Six core real estate products — each placed with the lender most likely to fund your deal at the best terms.

Fix & Flip Loans

Acquisition + rehab funding for non-owner-occupied properties. Funded within 10 days, draws on milestones.

  • LTVup to 90% of cost
  • Rate9.99% – 12.5%
  • Term6 – 18 months

DSCR Loans

Qualify on the property's rent-to-debt ratio — no personal income, tax returns, or W-2s required.

  • LTVup to 80%
  • Rate7.5% – 9.5%
  • Term30-year fixed available

Bridge Loans

Short-term financing to bridge between purchase and permanent financing or sale. Closes in 7–14 days.

  • LTVup to 75%
  • Rate9% – 11%
  • Term3 – 24 months

Commercial Real Estate Loans

Owner-occupied + investment commercial: office, retail, industrial, mixed-use, multifamily 5+.

  • LTVup to 75%
  • RateSOFR + 2.5–4.5%
  • Term5/10/20-year amortizations

Hard Money Loans

Asset-based lending for time-sensitive deals. Credit and income are secondary — the property tells the story.

  • LTVup to 70% ARV
  • Rate10% – 13.5%
  • Term3 – 24 months

Rental Property Loans

Long-term cash-out and acquisition financing for stabilized rentals. Single property up to 10-property portfolios.

  • LTVup to 80% (purchase) / 75% (refi)
  • Rate7.25% – 9.25%
  • Term15 / 30-year fixed

Why MidBank for Real Estate

We've spent 20 years vetting lenders. The fastest closes, the highest LTVs, and the products other shops can't quote.

Speed

Most products close in 7–14 days. Hard money + bridge often funded in 5.

No Income Verification Options

DSCR, hard money, and most fix-and-flip products don't need W-2s, tax returns, or pay stubs.

Asset-Based Lending

The property's value, rent roll, or rehab budget drives the deal — not just your DTI.

Investor-First Experience

Our team has placed thousands of investor loans. We speak ARV, cap rate, and portfolio-DSCR fluently.

Eligibility Snapshot

Most borrowers qualify with the basics below. Edge cases get hand-placed with one of our specialty lenders.

Minimum Credit
620+
580 considered case-by-case for hard money
Loan-to-Value
Up to 80%
90% of cost on fix & flip; 70% ARV on hard money
Property Types
SFR · 1–4 unit · 5+ multi · Commercial · Mixed-use
Non-warrantable condos OK; rural case-by-case
Loan Size
$75k – $25M
Larger deals available with relationship pricing

Get Pre-Qualified in 24 Hours

Send us the address, the deal, and your goal. We come back with the right product and the right rate — usually within a business day.