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Investment Loans

Capital that moves
as fast as you do.

Fix and flip, bridge financing, buy and hold, and distressed properties. We fund the deal with the speed and flexibility that investment real estate demands.

Close in days, not months
150+ funding partners
Free 24-hour review
Investment loan products

Every investor product
under one roof.

Fix and Flip

Fix and Flip Loans

Acquisition and renovation capital in one loan. We fund the purchase price plus the rehab budget so you can focus on the project, not the paperwork.

  • Purchase + rehab combined
  • Interest-only payments during construction
  • Draw schedule for renovation funds
  • Close in days, not weeks
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Bridge

Bridge and Hard Money

Short-term capital when timing is everything. Bridge the gap between purchase and long-term financing, or close a time-sensitive acquisition before the window closes.

  • Close in 5–10 business days
  • Asset-based — credit flexible
  • 6–24 month terms
  • Residential and commercial
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Buy and Hold

Buy and Hold Rental Loans

Long-term financing for income-producing properties. DSCR loans qualify based on property cash flow, not your personal income — ideal for portfolio builders.

  • DSCR-based qualification
  • Single family to small multi-family
  • Portfolio loan options
  • 30-year fixed available
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Distressed

REO and Distressed Properties

Bank-owned, auction, estate sale, or properties in disrepair that conventional lenders won't touch. We fund the acquisition and provide a path to stabilization.

  • Non-warrantable properties OK
  • As-is value financing
  • Auction and probate purchases
  • Path to permanent financing
Apply now →
150+
Funding partners nationwide
24hr
Free case review turnaround
1,000+
Clients assisted since 2008
$1B+
Funding volume
Why Trinoc

A different kind
of lender.

Speed is our standard
Most investment loans close in days. We know time kills deals — our process is built around moving as fast as the opportunity requires.
Asset-based underwriting
We lend based on the property and the deal — not just your tax returns. Self-employed, foreign nationals, and portfolio investors all welcome.
150+ funding partners
One application, our entire network. We match your deal to the right lender so you get the best terms available.
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FAQ

Common questions.

How fast can a fix and flip loan close?
Typically 5–10 business days for most fix and flip and bridge loans once we have the necessary documentation. In urgent situations we can move faster. The free case review happens within 24 hours of your inquiry.
Do I need good credit for investment property loans?
For bridge and hard money loans, credit is far less important than the property value and your exit strategy. DSCR buy-and-hold loans typically require a 660+ score but qualify based on property cash flow, not personal income.
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. These loans qualify you based on whether the property's rental income covers the mortgage payment — not your personal tax returns. Ideal for self-employed investors or those with multiple properties.
Can you fund properties in any condition?
Yes. We fund properties that conventional lenders won't touch — distressed, non-warrantable, in need of significant renovation, or bank-owned. We evaluate the after-repair value and your plan, not just the current condition.