​Discover the options and strategies for financing

 

Investing in real estate offers personal satisfaction, great financial benefit and wealth building potential!

 

It can be a rewarding endeavor, both personally and financially. At GB Lending Group, we're here to guide you through the process, providing expertise in financing for investment properties. Our team understands the unique dynamics of real estate investing and can help you navigate the loan options available, ensuring you make informed decisions to unlock the full potential of your investments.

​

Ready to grow your real estate portfolio? We make the investment loan process simple, strategic, and investor-friendly. Whether you're buying your first rental or scaling up, here’s what to expect—step by step.

​

 1. Get Pre-Approved

Start with a quick consultation to discuss your goals and get pre-approved. We’ll evaluate:

• Credit score

• Income & rental income potential

• Available assets

• Best loan options for your strategy (Conventional, DSCR, Portfolio, etc.)

You’ll receive a pre-approval letter showing your buying power.

​​​

 2. Find Your Investment Property

Work with your agent to identify properties that match your goals. We’ll help you understand:

• Expected rental income

• Market potential

• Property type (single-family, multi-unit, short-term rental)

• Financing considerations for each

​​​

 3. Offer & Contract

Once your offer is accepted, we’ll get a copy of your contract to officially kick off your loan.

​​​

 4. Loan Application

Complete a full application with updated documentation. We’ll issue disclosures and lock in your rate if desired.

​​​

 5. Appraisal & Underwriting

We’ll order an appraisal—often with a rent schedule if applicable. Underwriting reviews:

• Property income or DSCR (Debt-Service Coverage Ratio)

• Your financials

• Required reserves (usually 3-6 months)

​

 6. Final Approval & Closing

After final review, you'll be issued a “clear to close.” You’ll sign documents, wire funds, and take ownership of your new investment!

​​​

 Investor-Friendly Highlights

• Down Payment: As low as 15–20%

• Loan Options: DSCR, Conventional, and Portfolio loans

• Interest Rates: Slightly higher than primary homes

• Cash Reserves: Typically 3-6 months of mortgage payments

• No Income Docs? No problem—ask us about DSCR loans based on rental income, not personal income

​

 

Let’s Simplify Your Next Investment

Whether you’re buying to hold, flip, or short-term rent, we’ll guide you from offer to closing with expert support.
Get pre-approved today and start building your portfolio.

 

What type of project are you seeking funding for?