Business purpose residential mortgages offer brokers the opportunity to expand into the growing real estate investor market without the regulatory complexity of traditional consumer mortgage lending in many states.

Because these loans are secured by non owner occupied investment properties and structured strictly for business purposes, they are often exempt from certain consumer mortgage licensing requirements. This creates a meaningful opportunity for brokers seeking additional revenue channels within the investment lending space.

In many states, business purpose loans secured by non owner occupied residential properties are exempt from consumer mortgage licensing requirements.

This means that certain licensed real estate brokers may be able to originate qualifying business purpose investment loans without obtaining an NMLS license.

For example, in California, a broker holding a DRE broker license may originate eligible business purpose investment loans without NMLS registration.

Licensing requirements vary by state, and brokers are responsible for verifying compliance with all applicable laws and regulations.

Traditional mortgages for primary and second homes are consumer loans subject to extensive federal and state regulations.

Business purpose residential mortgages, by contrast, are structured for investment transactions only and are not intended for owner occupancy. Because they are business purpose in nature, they are treated differently under many state regulatory frameworks.

Eligible properties are non owner occupied residential investment properties, including income producing 1–4 unit properties.

Owner occupied primary residences and second homes do not qualify under these programs.

Many programs emphasize property level cash flow and rental income rather than traditional consumer income documentation.

Underwriting focuses on investment property evaluation, rental analysis, and business purpose standards.

Programs are available in most states nationwide for eligible investment properties. Availability, structure, and regulatory requirements vary by state.

We offer:

• DSCR Loans
• Investor Cash Flow Programs
• Short Term Rental Programs where eligible
• Purchase Financing
• Rate and Term Refinance
• Cash Out Refinance

All programs are designed exclusively for business purpose investment transactions.

This division is structured specifically for mortgage brokers and real estate professionals who serve real estate investors and are seeking efficient, consistent, and specialized access to capital solutions tailored to investment property lending.

You can submit a loan scenario through our Contact page by providing your name, company, state, and loan details. Our team will review and respond promptly.

Legal Disclosure

All loans are strictly for business purpose use and are secured by non owner occupied residential investment properties only. Programs are not available for primary residences or second homes.

Licensing exemptions referenced above apply in many, but not all, states. Regulatory requirements vary by jurisdiction. Brokers are solely responsible for verifying compliance with all applicable federal and state laws, licensing requirements, and regulatory standards prior to originating any loan.

All programs are subject to underwriting approval. Terms, rates, and availability may change without notice.

Connect With Our Investment Lending Team

Call us today at 800-111-2222

Let’s move your investment deal forward.