Investment Property Loans.
DSCR Loans.
We Have Your Back.
Whatever you're building, buying, or refinancing - the financing you need is out there. Sinai Capital is your partner to find more and better options. Fast. Then confidently choose what's best for you.
How much financing do you need?
50+
Lender partners
$500M+
In lending capacity
14 Days
Avg close time
Takes 2 minutes. No credit pull. No commitment.
Or call us directly: (732) 754-2144
We'll beat any competing rate. Guaranteed.
How It Works
From application to funding in three steps.
01
Tell us about your deal
Fill out a quick form with your property details, loan amount, and timeline. Takes about 2 minutes.
02
We find your best rate
We shop your deal to 50+ lenders, each specializing in different loan types and property types. You get the best option.
03
Get funded
Once you choose your terms, we handle the paperwork and push your deal to closing. Most deals fund in 14 to 21 days.
Loan Products
Financing for every strategy.
Whatever you're building, buying, or refinancing, we have a program for it.
DSCR Loans
Qualify on rental income. No W-2s or tax returns. 30-year terms available.
See DSCR options →Bridge Loans
Close in as few as 7 days. Perfect for acquisitions and auction purchases.
Get bridge pricing →Fix-and-Flip / Rehab
Purchase and rehab in one loan. Up to 90% of purchase, 100% of rehab.
See flip loan terms →Cash-Out Refinance
Pull equity from properties you own. Close in 14 to 21 days.
Unlock your equity →Ground-Up Construction
New builds from the ground up. 12 to 24 month draw schedules.
Get construction rates →Commercial Loans
Multifamily, mixed-use, office, retail. Small balance commercial from $500K.
See commercial terms →Portfolio Loans
One loan across multiple properties. Blanket lien, custom terms.
Bundle your properties →Foreign National Loans
No SSN required. DSCR qualification. Valid passport only.
See foreign national options →Bank Statement Loans
12 or 24 months of statements. No tax returns. Built for self-employed.
See bank statement rates →Not Sure Where to Start?
Let us match you to the right loan.
What are you looking to do?
The Broker Advantage
Why investors work with a broker.
Most borrowers go to one lender and take whatever they are offered. Here is what happens when you shop your deal across 50+ lenders instead.
Going to a Single Lender
Working With Sinai Capital
Ready to see the difference?
Get Pre-Qualified →Deal Showcase
The types of deals we fund.
From single-family rentals to multimillion-dollar portfolios, here is what our lending network can do.
DSCR LOANSingle-Family Rental, Atlanta, GA
FIX AND FLIPDistressed SFR, Cleveland, OH
BRIDGE LOANAuction Purchase, Jacksonville, FL
CASH-OUT REFIRental Portfolio Refi, Memphis, TN
CONSTRUCTIONNew Build Spec Home, Huntsville, AL
FOREIGN NATIONALVacation Rental, Kissimmee, FL
Passport-only qualification. No SSN required.
Learn about foreign national loans →
PORTFOLIO LOAN8-Property Rental Portfolio, Indianapolis, IN
BANK STATEMENTSelf-Employed Investor, San Antonio, TX
COMMERCIAL18-Unit Apartment Building, Kansas City, MO
DSCR LOANAirbnb Cabin, Gatlinburg, TN
FIX AND FLIPForeclosure Gut Rehab, Chicago, IL
Foreclosure acquisition. Borrower had 6 prior flips. 100% of rehab financed.
Learn about fix-and-flip loans →
BRIDGE LOANOff-Market Acquisition, Tampa, FL
Refinanced into 30-year DSCR loan at 6.25% after tenant placed. Bridge to DSCR refi completed in under 90 days.
Learn about bridge loans →DSCR LOANSingle-Family Rental, Atlanta, GA
FIX AND FLIPDistressed SFR, Cleveland, OH
BRIDGE LOANAuction Purchase, Jacksonville, FL
CASH-OUT REFIRental Portfolio Refi, Memphis, TN
CONSTRUCTIONNew Build Spec Home, Huntsville, AL
FOREIGN NATIONALVacation Rental, Kissimmee, FL
Passport-only qualification. No SSN required.
Learn about foreign national loans →PORTFOLIO LOAN8-Property Rental Portfolio, Indianapolis, IN
BANK STATEMENTSelf-Employed Investor, San Antonio, TX
COMMERCIAL18-Unit Apartment Building, Kansas City, MO
DSCR LOANAirbnb Cabin, Gatlinburg, TN
FIX AND FLIPForeclosure Gut Rehab, Chicago, IL
Foreclosure acquisition. Borrower had 6 prior flips. 100% of rehab financed.
Learn about fix-and-flip loans →BRIDGE LOANOff-Market Acquisition, Tampa, FL
Refinanced into 30-year DSCR loan at 6.25% after tenant placed. Bridge to DSCR refi completed in under 90 days.
Learn about bridge loans →DSCR LOANSingle-Family Rental, Atlanta, GA
FIX AND FLIPDistressed SFR, Cleveland, OH
BRIDGE LOANAuction Purchase, Jacksonville, FL
CASH-OUT REFIRental Portfolio Refi, Memphis, TN
CONSTRUCTIONNew Build Spec Home, Huntsville, AL
FOREIGN NATIONALVacation Rental, Kissimmee, FL
Passport-only qualification. No SSN required.
Learn about foreign national loans →PORTFOLIO LOAN8-Property Rental Portfolio, Indianapolis, IN
BANK STATEMENTSelf-Employed Investor, San Antonio, TX
COMMERCIAL18-Unit Apartment Building, Kansas City, MO
DSCR LOANAirbnb Cabin, Gatlinburg, TN
FIX AND FLIPForeclosure Gut Rehab, Chicago, IL
Foreclosure acquisition. Borrower had 6 prior flips. 100% of rehab financed.
Learn about fix-and-flip loans →BRIDGE LOANOff-Market Acquisition, Tampa, FL
Refinanced into 30-year DSCR loan at 6.25% after tenant placed. Bridge to DSCR refi completed in under 90 days.
Learn about bridge loans →Common Questions
Straight answers.
Requirements vary by loan type and lender. Most programs look at the property's income potential, not your personal income. Credit scores as low as 620 can qualify for certain programs. The best way to find out is to fill out our quick form and a loan officer will walk you through your options in under 5 minutes.
Bridge loans can close in as few as 7 days. DSCR and cash-out refinances typically close in 14 to 30 days. Construction loans take longer due to draw schedules. Your loan officer will give you a realistic timeline based on your specific deal.
No. Filling out the form does not trigger a credit pull. We only run credit after you've spoken with a loan officer and decided to move forward with a specific lender.
There is no upfront cost to you. We get paid by the lender when your loan closes. Our fee is built into the loan terms, and we always disclose everything before you commit.
Yes. Several of our lender partners work with first-time investors. Some programs may require a slightly higher down payment or credit score for first-time borrowers, but we'll find the right fit for your situation.
We work with borrowers in all 50 states. Our lender network covers every major market in the country.
When you go to a single lender, you get one set of rates and terms. When you work with us, we shop your deal to 50+ lenders simultaneously and bring you the best option. We also handle all the paperwork and communicate with the lender on your behalf so you don't have to.
Still have questions?
Talk to a Loan Specialist →Blog
Investor insights and guides.
DSCR LOANS
Top 10 Cash-Flowing Rental Markets for DSCR Loan Investors in 2026
Top metro areas where rental income easily covers DSCR loan payments. Rent-to-price ratios, cap rates, and vacancy data for buy-and-hold investors.
Read more →STRATEGY
BRRRR Strategy in a High-Rate Environment: Does the Math Still Work in 2026?
Three real BRRRR scenarios at current interest rates. One that works, one that breaks even, and one that does not. Full numbers included.
Read more →FIX AND FLIP
The True Cost of Flipping a House in 2026: A Full Breakdown With Real Numbers
Every line item in a real fix-and-flip budget. Purchase, rehab, holding costs, selling costs, and actual profit calculated on a sample deal.
Read more →Personal Service
Your loan officer picks up. Every time.
When you work with Sinai Capital, you get a dedicated loan officer who knows your deal inside and out. Not a call center. Not a chatbot. A real person with a direct line.
No credit pull. No commitment. Takes 2 minutes.