Loan Programs
FinancingBuilt Around Your Deal, Not a Single Loan Type.
HML4Investors structures business-purpose financing across a full range of categories, from short-term rehab and construction capital to long-term rental and larger commercial financing, so investors, builders, landlords, and business owners can find the structure that fits their transaction, property type, and timeline. Every program is subject to underwriting, property eligibility, and state availability, and a specialist can help match the right category to your specific deal.
Explore Every FinancingCategory.
Review the program summaries below, then open a program page for eligibility, documentation, and process details.
Fix & Flip
Short-term capital to purchase and renovate investment property for resale, with funding structured around the deal's purchase price and rehab budget.
DSCR Rental
Long-term financing for rental property qualified primarily by the property's cash flow rather than personal income documentation.
Ground-Up Construction
Financing for new-build investment or small commercial construction, from land acquisition or vertical build through completion.
Bridge
Short-term financing to move quickly on acquisition, transition, or repositioning before securing longer-term financing or a sale.
Multifamily
Financing for multi-unit rental property acquisition, refinance, or value-add repositioning.
Small-Balance Commercial
Financing for smaller commercial and mixed-use property acquisitions, refinances, and repositioning projects.
Blanket and Portfolio
Financing structured across multiple properties under a single loan for portfolio investors consolidating or scaling holdings.
Fix & Flip — Use case: acquisition and renovation for resale.
Property type: single-family, small multifamily, or distressed property.
Stage: purchase through renovation and exit.
DSCR Rental — Use case: long-term buy-and-hold financing.
Property type: single-family, small multifamily rental.
Stage: purchase or refinance of a stabilized rental.
Ground-Up Construction — Use case: new-build investment or small commercial construction.
Property type: vacant land moving to completed structure.
Stage: pre-construction through completion.
Bridge — Use case: short-term transitional capital.
Property type: varies, residential, mixed-use, or small commercial.
Stage: acquisition or repositioning ahead of permanent financing.
Multifamily — Use case: acquisition, refinance, or value-add.
Property type: multi-unit rental properties.
Stage: purchase, refinance, or repositioning.
Small-Balance Commercial — Use case: acquisition, refinance, or repositioning of smaller commercial assets.
Property type: retail, office, mixed-use, light industrial.
Stage: purchase, refinance, or transition.
Land — Use case: land banking ahead of future development.
Property type: vacant or partially improved land.
Stage: acquisition and hold.
Blanket and Portfolio — Use case: consolidating multiple properties under one loan.
Property type: multiple residential or commercial assets.
Stage: refinance or acquisition across a portfolio.
Compare Programs by Use Case, Property Type, and Stage.
Use this comparison to narrow down the right category before reviewing full program details.
PROGRAM
USE CASE
PROPERTY TYPE
STAGE
Fix & Flip
Acquisition and renovation for resale.
Single-family, small multifamily, or distressed property.
Purchase through renovation and exit.
DSCR Rental
Long-term buy-and-hold financing.
Single-family, small multifamily rental.
Purchase or refinance of a stabilized rental.
Ground-Up Construction
New-build investment or small commercial construction.
Vacant land moving to completed structure.
Pre-construction through completion.
Bridge
Short-term transitional capital.
Varies, residential, mixed-use, or small commercial.
Acquisition or repositioning ahead of permanent financing.
Multifamily
Acquisition, refinance, or value-add.
Multi-unit rental properties.
Purchase, refinance, or repositioning.
Small-Balance Commercial
Acquisition, refinance, or repositioning of smaller commercial assets.
Retail, office, mixed-use, light industrial.
Purchase, refinance, or transition.
Land
Land banking ahead of future development.
Vacant or partially improved land.
Acquisition and hold.
Blanket and Portfolio
Consolidating multiple properties under one loan.
Multiple residential or commercial assets.
Refinance or acquisition across a portfolio.
Not Sure Which Program Fits Your Deal?
A short conversation with a lending specialist can quickly narrow down the right financing category for your property, timeline, and investment strategy. No obligation, and all details remain subject to underwriting and program availability.