Financing Built for Investors Who Mean Business
Whether you’re growing a rental portfolio, flipping properties, bridging a gap between deals, or acquiring commercial real estate, Oso Creek Financial has the programs to match your strategy. No W-2s required. No personal income bottlenecks. Just property-focused financing designed for how real estate investors actually operate.
What Are Real Estate Investor & Commercial Loans?
Real estate investor and commercial loans are financing programs built around the property — not your personal tax returns or employment history. Instead of asking “how much do you earn?” these programs ask a more relevant question: does the deal make financial sense?
Whether qualification is based on a property’s rental income, its post-renovation value, the equity in an existing asset, or the income generated by a commercial building, these programs give investors access to capital that traditional mortgage guidelines would otherwise block.
For active investors and commercial buyers, this isn’t a workaround — it’s the right tool for the job.
Who Can Benefit?
Investor and commercial financing may be the right fit if you are:
- A rental property investor looking to qualify without using personal income
- A fix-and-flip investor who needs fast, project-based financing
- An investor buying a new property before selling an existing one
- A foreign national purchasing U.S. investment or vacation property
- A business owner or investor acquiring commercial real estate
- Someone building or expanding a multi-property portfolio
- An investor with properties in an LLC or corporate structure
Our Real Estate Investor & Commercial Loan Programs
DSCR Loans
Debt Service Coverage Ratio (DSCR) Loans are designed specifically for real estate investors. Qualification is based primarily on the property’s rental income rather than your personal income, making it easier to expand your investment portfolio.
Ideal For:
- Rental property investors
- Portfolio expansion
- Cash-flow-focused investments
Foreign National Loans
Foreign National Loans provide financing opportunities for non-U.S. citizens looking to purchase investment properties and vacation homes in the United States. Qualification requirements are tailored to international borrowers.
Ideal For:
- International investors
- Foreign homebuyers
- Non-U.S. residents
Fix & Flip Loans
Designed for investors purchasing properties to renovate and resell, Fix & Flip Loans provide short-term financing to help fund acquisition and renovation costs while maximizing investment opportunities.
Ideal For:
- Property flippers
- Renovation investors
- Short-term investment projects
Bridge Loans
Bridge Loans provide temporary financing that helps borrowers purchase a new property before selling their current one or secure short-term funding until permanent financing is available.
Ideal For:
- Buying before selling
- Short-term financing needs
- Time-sensitive purchases
Commercial Real Estate Loans
Commercial Real Estate Loans offer financing for office buildings, retail spaces, industrial properties, mixed-use developments, and other commercial investments. Our team helps structure financing that aligns with your business and investment objectives.
Ideal For:
- Business owners
- Commercial investors
- Income-producing properties
Why Choose Oso Creek Financial?
Getting the right investor or commercial loan isn’t just about finding a program that technically works — it’s about finding the right lender for your specific deal, property type, and exit strategy. As a licensed mortgage broker, we’re not locked into one bank’s programs. We shop your file across multiple wholesale lenders and find the pricing, structure, and approval that fits your situation.
Mark Stillman has been working with real estate investors since 2003. He understands the difference between a clean DSCR deal and a complex bridge transaction — and he’ll tell you honestly which path gives you the best outcome.
Why Investors Choose Us
- Investor-focused loan programs not available at most retail banks
- Property-based qualification — no personal income required on most programs
- Access to multiple wholesale lenders for competitive pricing
- LLC and entity vesting accepted
- Experience with single-family, multifamily, and commercial properties
- Fast turnarounds on bridge, fix & flip, and DSCR transactions
- Transparent communication from first call through closing
- • Solutions for both first-time and experienced investors
Our Simple Process
Schedule a Consultation
Tell us about your deal — the property, your strategy, your timeline, and your goals. The more context you share, the faster we can point you in the right direction.
Explore Your Loan Options
We'll review your deal structure and financial profile, then identify which investor or commercial program gives you the best combination of terms, speed, and approval certainty.
Submit Your Application
Complete a streamlined application while our team guides you through the documentation. Investor loans are typically less document-intensive than traditional mortgages.
Close with Confidence
We coordinate the lending process efficiently — whether you're on a 10-day bridge timeline or a standard 30-day DSCR close — so your transaction closes on time without surprises
Frequently Asked Questions
Do I need to show personal income to qualify?
For most of our investor loan programs — including DSCR, Fix & Flip, and Bridge loans — personal income documentation is not required. Qualification is based on the property’s rental income, its value, or the deal structure. You won’t need W-2s, tax returns, or pay stubs on most of these programs.
Are Non-QM loans only for investors?
Yes. Most of our investor loan programs allow — and some prefer — vesting in an LLC, LP, S-Corp, or other business entity. We’ll confirm the specific entity documentation required based on the program and lender.
How quickly can these loans close?
It depends on the program. DSCR loans typically close in 2 to 4 weeks. Fix & Flip and Bridge loans can close in as few as 7 to 14 business days when needed. Commercial loans generally take 30 to 60 days due to the additional due diligence involved.
Can I finance multiple properties at once?
Yes. Many of our DSCR lenders do not cap the number of financed properties. Whether you’re adding your second rental or your twenty-second, we can work with your portfolio structure.
Do you work with first-time real estate investors?
Absolutely. Some programs are specifically designed for investors just getting started. A well-structured deal with a solid ARV and conservative numbers can still get funded — and we’ll help you put your best foot forward regardless of experience level.
Ready to Finance Your Next Investment?
Whether you’re closing on a rental property, funding a renovation, bridging between deals, or acquiring your first commercial building, OSO Creek Financial has the programs and the experience to get it done. Let’s look at your deal and find the right path forward.