Smarter Real Estate Financing Starts Here

Flexible capital solutions designed for investors, properties, and real estate strategies — not traditional lending boxes.

Apply Now
A google reviews logo on a white background.
The trustpilot logo has a green star and five stars.
A blue and white button that says accredited business

What Could the Right Real Estate Financing Unlock?

Lexington Is Proud to offer smart funding solutions designed to help your business grow

A black and white icon of a graph with arrows pointing up and down.

Smart Financing for Real Estate Growth

Our loan programs are designed to help investors grow smarter — preserving cash flow while maximizing opportunity.

Designed Around the Property, Not Just You

We offer loan options that prioritize property performance, opening doors traditional banks often close.

A line drawing of a person standing next to a certificate.

Guidance You Can Rely On

We help you navigate every step of the process — from underwriting to closing — with transparency and expertise.

A black and white drawing of a row of sticks on a white background.

Solutions Built for Every Investment Stage

Whether you’re buying your first rental or scaling a portfolio, we tailor financing to meet your exact real estate objectives.

Explore Real Estate Loan Programs

Every real estate deal is different. We help you navigate your options and secure the right financing based on your property, your goals, and your exit strategy.

DSCR Loan (Debt Service Coverage Ratio)

The DSCR Loan is designed for real estate investors who want to qualify based on the property’s income — not personal income. Approval is determined by whether rental income can cover the loan payment, making it ideal for buy-and-hold investors.


Terms:

Loan amounts vary by property value. Common terms include 30-year fixed or adjustable-rate options.


Use Cases:

Long-term rentals, short-term rentals (Airbnb), single-family and multifamily investment properties.


Qualifications:

Sufficient rental income (usually DSCR 1.0–1.25+), 15–20% down payment, acceptable credit, investment property.

Fix & Flip Loan

A Fix & Flip Loan is a short-term financing option used to purchase and renovate distressed properties with the intent to resell for profit. These loans are fast, flexible, and based on the property’s after-repair value.


Terms:

Typically 6–24 months with interest-only payments.


Use Cases:

House flips, distressed properties, value-add renovations.


Qualifications:

Project budget and scope of work required. Experience preferred but not required. Loan approval often based on ARV.

Ground-Up Construction Loan

Ground-Up Construction Loans provide financing for building new properties from the ground up, including land purchase and construction costs. Funds are released in phases as construction milestones are met.


Terms:

Short-term construction period, typically 12–18 months.


Use Cases:

New residential builds, spec homes, duplexes, small multifamily projects.


Qualifications:

Detailed construction plans, permits, budget, builder experience preferred but not required, and clear exit strategy.

Bridge Loan

A Bridge Loan offers short-term capital to help investors close quickly while transitioning to permanent financing or awaiting a property sale. It’s designed for speed and flexibility.


Terms:

Short-term financing, typically 6–12 months.


Use Cases:

Time-sensitive purchases, competitive bids, buying before selling another property.


Qualifications:

Strong equity position, clear exit plan, property or asset collateral.

Cash-Out Refinance

A Cash-Out Refinance allows investors to tap into the equity of an existing property by refinancing for more than the current loan balance and receiving the difference in cash.


Terms:

15–30 year terms depending on lender and property type.



Use Cases:

Reinvesting equity, funding renovations, purchasing additional properties, BRRRR strategy.


Qualifications:

Sufficient equity (typically max 70–75% LTV), seasoning period, acceptable credit and income profile.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) allows property owners and investors to access the equity in their property through a revolving line of credit. Funds can be drawn as needed and reused as the balance is paid down, offering flexibility for ongoing or short-term capital needs.


Terms:

Revolving line of credit with draw and repayment flexibility. Terms vary by lender and property type.


Use Cases:

Renovations and repairs, down payments on new properties, short-term cash needs, opportunity capital for future investments.


Qualifications:

Sufficient available equity (typically up to 70–80% combined loan-to-value), acceptable credit, property ownership.

01

Share Your Deal Details

Tell us about the property, your investment goals, and your timeline. This helps us understand the type of real estate loan that best fits your deal.

02

Connect With Our Real Estate Financing Team

Our real estate specialists review your information, analyze your strategy, and walk you through the loan options available based on your property and exit plan.

03

Simplify the Approval Process

We help streamline documentation, underwriting, and lender communication — keeping the process clear, accurate, and efficient from start to finish.

04

Close & Move Forward

Get connected with the right lending partner and secure financing that supports your real estate goals, whether you’re buying, building, renovating, or refinancing.

Let's Get Started

SBA

Lexington Capital Holdings is a financial marketplace and brokerage, not a direct lender. We assist businesses in finding the best funding solutions by working with a network of trusted lending partners. Loan terms, rates, and approvals are determined by the lending institutions.

Why Real Estate Investors Choose Lexington?

Financing Built Around the Deal

We don’t force real estate into traditional lending boxes. Every loan is structured around your property, numbers, and exit strategy — not generic underwriting rules.

Access to Investor-Focused Capital

From DSCR and bridge loans to fix & flip and construction financing, we connect you with lenders who understand investment real estate and move at deal speed.

Clear Guidance From Start to Close

You’re never guessing where you stand. Our team walks you through the process, breaks down your options, and keeps communication clear from underwriting through closing.

Speed When It Matters Most

In real estate, timing wins deals. We prioritize fast approvals and efficient closings so you can act confidently when the right opportunity appears.

Did you Know...

According to industry data, many real estate investors are denied traditional financing not because of the deal — but because of personal income requirements that don’t reflect property performance.


At Lexington Capital Holdings, we take a different approach. Many of our real estate loan options are designed to focus on the property itself, including rental income, value, and exit strategy.


From DSCR and bridge loans to fix & flip and construction financing, we help investors access capital that aligns with how real estate deals actually work — not outdated lending rules.


Our mission is to simplify real estate financing by providing clear guidance, flexible solutions, and access to lenders who understand investment properties at every stage.

Testimonials

Don't Just take our word for it, See what Hundred's of business owners across the nation have to say

Got questions? We’ve got answers.

Didn't Find Your Answer?

We'd Love to hear from you! Please use the form below to contact us with any questions

  • What types of real estate loans do you offer?

    We offer a wide range of real estate financing options, including DSCR loans, fix & flip loans, bridge loans, ground-up construction loans, and cash-out refinances for investment properties.

  • Do I need to verify personal income to qualify?

    Not always. Many loan options — such as DSCR loans — are based on the property’s income and performance rather than personal W-2s or tax returns.

  • How quickly can real estate loans close?

    Approval times can vary depending on the program. SBA Express loans may take as little as 36 hours, while 7(a) or 504 loans could take several weeks due to the required documentation and review process.

  • What types of properties are eligible?

    Eligible properties may include single-family rentals, multifamily properties, short-term rentals, mixed-use buildings, and certain commercial real estate, depending on the loan program.

  • How much down payment is typically required?

    Down payment requirements vary by loan type and property. Investment loans often require 20–30% down, though this can change based on deal strength and lender guidelines.

  • What’s the first step to getting started?

    The first step is sharing your deal details. Once we understand your property, goals, and timeline, we’ll help identify the best financing option for your strategy.

Lexington Capital Holdings is a financial marketplace and brokerage, not a direct lender. We assist businesses in finding the best funding solutions by working with a network of trusted lending partners. Loan terms, rates, and approvals are determined by the lending institutions.