e-Biz Finance, Inc.


Loans for Investment Properties

Our team specializes in providing private funding for real estate investment projects nationwide.

  • These Loans Have Terms up to 30 Years
  • With Fast Closing Times
  • $2500 loan origination fee


Get approved online within minutes

e-Biz Finance Group is one of the top providers of Private Loans for Investment Properties in the United States. Located in Princeton, New Jersey, e-Biz Finance Group offers quick approvals, fast funding, very competitive rates, and excellent customer service.

For real estate investors that want to get into Florida’s investment property market, our rental and investment property loans give you the ability to purchase, refinance, or cash-out. Explore your options below, then you can contact us and we will help you find the rental property loan program that perfect for your needs.

What e-Biz Finance Group has to offer:

What e-Biz Finance Group has to offer:

Fix & flip loans and rental property loans for real estate investors in need of hard money financing. Based in Miami and serving nationwide, e-Biz Finance Group is your trusted rental-property lender with a vast hard money lending experience. e-Biz Finance Group has the team and resources to get your loan funded fast.

Other Top Rental Property cities are:

Boca Raton, Cape Coral, Clearwater, Coral Springs, Fort Lauderdale, Gainesville, Hialeah, Jacksonville, Miami, Orlando, St. Petersburg, Tallahassee, Tampa, Sarasota.

Application Approval Timeline: Same day approval available
Time to Fund: 2 – 4 weeks
Property Types: Single family, multi-family, condos, commercial, industrial
Loan Amount: $150,000 – $50 Million
Lien Position: 1st
Loan to Value (LTV): Up to 80% of current value of property
Investment Loan Interest Rates and Points: Starting at 6%

Investment Property Loan Rates

Investment properties can make you a substantial amount of money. If you buy a rental property at the right price, and you get the best financing for it, you could start seeing positive cash flow very fast.

Private mortgage rates tend to be higher than conventional loan rates by 0.5% to 0.75% (Source). The rental property mortgage rates may vary based on the specifics of the loan scenario such as length of loan, loan to value (LTV), condition and location of property and overall perceived risk of the investment. Many conventional lenders solely focus on owner-occupied home mortgages and do not provide financing for investment property.

Getting a low mortgage rate on a rental property is a bit harder when comparing to a primary residence because lenders charge more for “non-owner occupied” properties. 

With e-Biz Finance Group our rates for rental property loans start as low as 7%. That said, your final interest rate for an investment property loan will depend on the type of property you want to acquire, your creditworthiness, and how much you put down. 

Hard money lenders such as e-Biz Finance Group are generally a better source of loans for investment properties as we primarily work with real estate investors and we better understand their needs. We are amongst the most experienced and reliable hard money lenders that will also be able to approve the borrower and fund the loan much faster than a conventional lender such as a bank or credit union.

To get started talk to one of our loan advisors, we will be glad to help you find the best terms and rates for you. Call 609-433-7266

How To Get A Loan For An Investment Property?

This Is What You Need To Qualify?

The first thing you would need to get a loan for investment properties is to have at least 20% to 40% down in case you want to purchase, or substantial equity in the property if you’re looking for a cash out refinance.

The higher the down payment or property equity you have, the more likely you will be approved.

We will also look at the borrower’s experience in real estate. If this is the first time that the borrower is going to finance an investment real estate deal, he or she might face more scrutiny than a borrower with years of experience in these types of deals.

Just answer these questions and we will give you a quick estimate:

  • Type of rental property (condo, townhouse, single family, etc.)
  • Property location (Exact Address)
  • Current market value
  • Mortgage balance (if applicable)
  • Loan amount sought
  • Proposed use of funds

Borrower parameters:

  • Borrowers can be corporations or Inc.
  • Existing income reflected in bank statements
  • Cash reserves reflected in bank statements
  • Credit score of 550 or higher (exceptions apply)
  • Ability to perform exit strategy may be needed
  • A portfolio, for experienced investors (optional)

Buying a Rental Property

Buying a rental property is one of the most popular forms of real estate investment. Investors look to purchase an investment property with rental property loans that can be rented out for more than the monthly liabilities (principal, interest, taxes, insurance) and achieve positive cash flow.

The real estate investor will also hope to benefit from appreciation while they hold the property and take advantage of tax benefits in order to maximize their profits from buying a rental property.

Loans for rental properties generally require a down payment of at least 25% from the real estate investor. 100% financing is not available. If the real estate investor has equity in another property but does not have enough cash for a down payment, the real estate investor may be able to take out a cash out refinance loan in order to raise funds for the new purchase. The hard money lender will also want to see that the investor has cash reserves available to deal with potential tenant vacancies, repairs and any other unforeseen issues.

Refinancing Investment & Rental Property Loans

e-Biz Finance Group also allows real estate investors to refinance investment property and rental property should they wish to pull equity out of their property, refinance at a lower rate or pay off a balloon payment that will soon be due.

Investment Property Rehab Loans

Investment property rehab loans are available for real estate investors who wish to purchase a property, quickly make any needed repairs and improvements and then sell the property immediately.
Fix and hold loans are also available to investors who wish to purchase a property in need of rehab, make improvements and then hold the property as a rental.
Contact e-Biz Finance Group today and get your investment property loan funded in record time.

For a purchase, the first thing you need is have at least 20% down. For a cashout refi, the property must be worth at least $150,000, with a current LTV of less than 70%. 

Yes, if you are a new investor we have the right program to get you started in the world of Real Estate.  Simply call us for more information we are here to help!

The minimum down payment we require is 20%, keep in mind a higher amount may be required depending on the type and condition of the property.  Once you submit your initial documentation our underwriters will have an answer in 24 to 48 hours.

Rates on investment property loans are usually a bit higher than those for primary residential properties. You can expect the rates on investment property loans to be 0.55% to 0.77% higher than traditional mortgages.

We are here to help you and provide the funding for your project, we work with new as well as experienced investors.  The process is easier than you you thing as long as you can provide a down payment that could range from 20% to 30% and provide the required documentation you will get approved, even you have less than perfect credit.

Yes, land and construction loans / financing is available.  The loan amount ranges between $100,000 to $50MM, the minimum land/lot value is $150K for this type of program.
The loan-to-cost (LTC) ranges from 55% to 85% depending on your experience and credit score.

If you are a broker, partner with e-Biz Finance Group and start closing more Deals

Commercial Mortgage Brokers

Earn more commission by helping your clients get access to our direct private funding. Recommend our Loans for Investment Properties

Real Estate agents

When banks say no, we say yes! Help your clients close their investment property loans quickly.

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Refer deals to e-Biz Finance Group and increase your monthly income by offering non-owner occupied and commercial real estate loans

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