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PILLARPRIVATE LENDING
Investors walking a property during due diligence

Investor Financing

Loan Programs

From bridge financing to long-term DSCR rental loans — programs for every stage of an investor's strategy.

Not sure which program fits?

Tell us about your deal and we'll recommend the best option.

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Which financing path fits your property?

Start with the property's current condition and your exit plan. Pillar's advisors compare available capital options; this guide helps you prepare for that review.

DSCR rental loans

Property fit
Income-producing residential rentals; select small multifamily properties require program review.
What the review weighs
Supported rent relative to debt service, occupancy, property condition, credit, equity, and reserves.
Term and repayment approach
Long-term rental financing for purchase, rate-and-term refinance, cash out, or portfolio review.
What to prepare
Rent roll or leases, taxes and insurance, price or current value, existing payoff, and ownership details.
Review this financing path →

Fix & flip loans

Property fit
Investment properties purchased or refinanced for renovation and an intended sale or rental exit.
What the review weighs
Purchase basis, rehab scope, after-repair value, execution experience, contractor plan, and available cash.
Term and repayment approach
Short-term acquisition and rehab financing; confirm eligible costs, draw timing, and the expected payoff.
What to prepare
Purchase contract, itemized budget, comparable sales, contractor schedule, and project track record.
Review this financing path →

Bridge loans

Property fit
Transitional investment properties that need time before a sale, lease-up, or longer-term refinance.
What the review weighs
Today's collateral, existing debt, stabilization work, cash needs, and a credible exit before maturity.
Term and repayment approach
Short-term financing with a defined repayment plan. A later refinance is a separate approval.
What to prepare
Current payoff and maturity, stabilization milestones, required proceeds, and sale or takeout assumptions.
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Multifamily & commercial

Property fit
Multifamily and other commercial investment properties, reviewed by asset type and operating stage.
What the review weighs
Actual net operating income, occupancy, expenses, sponsor strength, value, and capital-improvement needs.
Term and repayment approach
Compare stabilized financing with transitional structures for properties still undergoing improvements or lease-up.
What to prepare
Rent roll, operating statements, debt schedule, capital budget, and ownership plan.
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Construction loans

Property fit
Investor and builder ground-up projects with a defined site, plan, budget, and exit.
What the review weighs
Land basis, permits, builder experience, cost to complete, contingency, draw schedule, and completed-value support.
Term and repayment approach
Project financing disbursed around the approved construction plan. Confirm closing and draw conditions.
What to prepare
Land ownership or purchase terms, plans, permit status, builder budget, schedule, and comparable completed properties.
Review this financing path →
Illustrative residential renovation with brickwork and a new porch

Next Step

Ready to think through your next deal?

Share a few basics about the property and we'll help you understand which financing paths may fit your strategy.

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No obligation. Representative scenarios only — talk with an experienced investment advisor.