What do we do?
Loan Services
Our Services
At Insightful Lending, we offer a variety of loan programs designed to meet the unique needs of real estate investors, homeowners, and developers. Our comprehensive solutions, competitive rates, and seamless process ensure that you find the perfect fit for your financial goals. Explore our range of services:
Relationship-Focused Service
We believe in building trust and delivering results.
Comprehensive Support
From initial consultation to closing, we guide you through the entire loan process.
1. Bridge Loans
Short-Term Financing for Quick Deals
Our Bridge Loans provide quick, flexible funding to help you purchase or refinance properties. Ideal for short-term real estate investments, our bridge loans come with:
No Prepayment Penalties: Enjoy the freedom to repay early.
Competitive Rates & Fast Closings: Close in as little as four weeks.
High Loan-to-Value (LTV): Up to 80% on purchase and refinance
2. Rehab Loans (Fix and Flip)
Transform Properties with Ease
For those looking to renovate and sell, our Rehab Loans offer financing for both light and heavy projects:
Experienced & New Investors Welcome: Flexible terms for all levels.
High Loan-to-Cost (LTC) Ratios: Up to 90% for experienced clients.
In-House Inspection & Draw Process: We simplify and expedite funding for each rehab phase.
3. DSCR Loans (Debt Service Coverage Ratio)
Efficient Financing Based on Property Income
Our DSCR loans allow you to qualify based on property income rather than personal income, making it ideal for real estate investors:
No Personal Income Verification Required: Streamlined qualification process.
Flexible Terms & High LTV: Up to 80% LTV on purchases and refinances.
Available for Domestic & Foreign Nationals: Inclusive loan programs for all investors.
4. Ground-Up Construction Loans
Build Your Vision from the Ground Up
Our construction loans provide comprehensive financing for new projects, from land acquisition to development:
High Blended LTC Ratios: Up to 90% to cover all construction costs.
Tiered Lending Options: Choose between different funding levels based on your project’s stage.
Support Throughout the Process: From permits to final construction, we’re with you at every step.