Your Next Deal Deserves A Lender Who's Actually Closed One.
We vet the mortgage pros so you don't have to. Every company in the network has the experience, the track record and the capital to close investor loans.
Investment Properties Only. We cannot help with a home you or your family live in or plan to live in, including primary residences and second homes. ILN only connects investors with lenders for business-purpose loans on non-owner-occupied investment property.
- ✓Submitted
- ✓Reviewed
- ✓Valuation
- ✓Underwriting
- 5CommitmentIn Progress
- 6Closing
Illustrative example. Track your own deal from submission to closing.
Built For How Investors Actually Buy.
DSCR / Rental
Qualify on the property's rent, not your tax returns. Single doors, portfolios and blanket loans.
- ✓ No personal income docs
- ✓ Close in an LLC
- ✓ Short-term rental friendly
DSCR HELOC
Unfreeze your BRRRR. Pull equity from a rental with a line of credit and leave your low-rate first mortgage in place.
- ✓ Keep your low-rate first
- ✓ Qualify on rental cash flow
- ✓ Draw, repay, redeploy
Fix-And-Flip / Bridge
Fast purchase and rehab capital sized on cost and after-repair value.
- ✓ Purchase plus rehab draws
- ✓ Interest-only terms
- ✓ Quick closings
Ground-Up Construction
Spec homes, infill and build-to-rent with draws against an approved budget.
- ✓ Land and vertical funding
- ✓ Draw schedules
- ✓ Exit to DSCR
Commercial / Multifamily 5+
Multifamily, mixed-use and commercial real estate debt for experienced sponsors.
- ✓ Purchase and refinance
- ✓ Bridge to perm
- ✓ Mixed-use and CRE
ITIN Investor Loans
Investment property financing for borrowers with an ITIN instead of a Social Security number.
- ✓ No SSN required
- ✓ Rental or bank statement qualifying
- ✓ Close in an LLC
Foreign National
U.S. investment property loans for buyers who live outside the United States.
- ✓ No U.S. credit required
- ✓ Qualify on property cash flow
- ✓ Passport and visa accepted
Terms, rates, leverage and eligibility are set by each participating company and depend on the deal, the borrower and the market.
Which Loan Fits The Deal?
| DSCR / Rental | DSCR HELOC | Fix-And-Flip / Bridge | Ground-Up Construction | Commercial / Multifamily 5+ | ITIN Investor Loans | Foreign National | |
|---|---|---|---|---|---|---|---|
| Typical Leverage | Up to ~80% LTV (purchase) | Typically up to ~70-75% combined LTV | Up to ~85-90% of cost, ~70-75% of ARV | Up to ~85% of cost, ~70-75% of ARV | ~65-75% LTV | Up to ~70-80% LTV | Up to ~65-75% LTV |
| Typical Term | 30-year fixed or ARM | Revolving draw period, then repayment | 6-24 months, interest-only | 12-24 months, draws | 5-30 years, or bridge | 30-year fixed or ARM | 30-year fixed or ARM |
| Qualifies On | Property rent (DSCR) | Rent (DSCR), no tax returns | Deal, experience, exit | Budget, plans, experience | Property cash flow, sponsor | Rent (DSCR) or bank statements | Property cash flow (DSCR) |
| Docs | None (no tax returns) | Lease, rent roll, first mortgage statement | None | None | Property financials | ITIN, ID, bank statements | Passport, foreign bank statements |
| Best For | Buy-and-hold rentals, STRs | BRRRR investors with equity and a low-rate first | Flips, value-add bridge | Spec, infill, build-to-rent | 5+ units, mixed-use, CRE | ITIN holders building a portfolio | Non-U.S. residents buying U.S. rentals |
| Get Matched → | Get Matched → | Get Matched → | Get Matched → | Get Matched → | Get Matched → | Get Matched → |
Typical market ranges for illustration only. Actual leverage, terms and requirements are set by each participating company and vary by deal, borrower, property and market.
Vetted Coverage, State By State.
Every company in the network selects the states it's licensed and lending in. This map updates as vetted companies join, so you only see coverage that's real.
Check My StateAnyone Can Call Themselves An Investor Lender. Our Network Has To Prove It.
Most lender directories are pay-to-play. Ours isn't. Every company is reviewed against this standard. Exceptions are rare, documented, and approved only for proven investor lenders. Companies keep the badge only while they stay in good standing.
- 013+ Years In Business
- 0210+ Investor Transactions In 5 Years
- 032+ Capital Sources
- 04Licensed, Clean Regulatory Record
- 05Background Search Cleared
Three Steps. One Vetted Match.
Tell Us The Deal
Sixty seconds for a quick match, or add numbers and documents for a faster quote. Your call.
We Match You
Your deal goes to one vetted company licensed in your state that funds your loan type and size.
Track To Closing
Follow every stage from submission to funding with your private deal tracker.
Close Investor Loans? Earn The Badge.
Get exclusive investor leads, plug-and-play campaigns and a pipeline your whole team can work.
Questions Investors Ask
Is ILN a lender?+
No. ILN is a network. We vet independent mortgage and lending companies, then route your deal to one that fits your loan type, state and size. That company quotes, underwrites and closes your loan.
What does it cost me?+
Nothing. Investors never pay ILN. Your loan terms and fees come from the lending company you work with, and you see them before you commit.
What does “vetted” actually mean?+
Every company is reviewed for 3+ years in business, 10+ investor transactions in the last 5 years, access to 2+ capital sources, a licensed and clean regulatory record, and a cleared background search. Exceptions are rare, documented, and approved only for proven investor lenders. We publish the standard so you know what you're getting.
Will my information be sold to a bunch of lenders?+
No. Your deal goes to one matched company, not a list. You won't get a flood of calls.
What loans do you cover?+
Business-purpose loans on non-owner-occupied investment property: DSCR and rental, fix-and-flip and bridge, ground-up construction, commercial and multifamily 5+, ITIN and foreign national. We do not handle loans on a home you live in.
How fast will I hear back?+
Typically within one business day. Deals marked as under contract are prioritized.