Investment Property Loans

Up to 85% LTV. No tax returns. No max loan amount. Qualify using rental income. No application fees EVER.

Rather speak on the phone? (615) 622-1032

Flexible Investment Property Loans

620

Minimum FICO Score Required

100+

Years Of Combined Experience

85%

Options With Up To 85% Loan-to-Value

75+

Creative Programs To Meet Your Needs

0

Application Fees And Obligation

Generate Cashflow & Maximize Profits

Customizable Loan Options ✓

No Max Loan Amount ✓

Purchase or Refinance with Cash Out ✓

STR, LTR & Buy-and-Hold Options ✓

85% LTV Options ✓

Qualify Using Rental Income ✓

DSCR Ratio Down to .75 ✓

No Application Fees or Obligation ✓

Cash-back After Closing ✓

No Tax Returns/W2s Needed v

Second & Investment Options ✓

Options for Foreign Nationals (no SSN) ✓

Need a home loan?

we have the solution.

Simple investment property loans

Real estate investor and need a home loan? We offer flexible Non-QM loan options designed to meet your unique needs.

Apply within minutes

Fast pre-approval times so you can check out your personalized self-employed loan options in 10 minutes.

Get certainty faster

We close fast and make the mortgage process for self-employed individuals easy. It's what we love to do.

As seen in

Real Estate Investor Testimonials

“Thank you to everyone at Defy who made this happen. Some seriously savage behavior to get this done in this timeline and I appreciate it. It's a very strong start to winning more business. Thank you again!”

Josh G.

"Defy did something that I would have thought impossible before we started considering my unique circumstances. If I were a religious person, I would say that a higher power put Defy Mortgage in my life just when I needed them. But since I am not, I will just say thanks from the bottom of my heart!"

David M.

"Phenomenal job! Excellent communication, streamlined process and they made it super easy! Thank you so much for all of your help. I look forward to working together in the future!"

Haleigh S.

Whether it's for a short or long-term rental,

you've come to the right place. Let's strategize your next move.

Defy Mortgage, LLC is a direct lender and licensed under NMLS #2383214, 1030 16TH AVE S FL 2, Nashville, TN 37212. Available in select states. Equal Housing Lender.

Licensed under the Oregon Consumer Finance Act. Georgia Residential Mortgage Licensee # 2383214. Defy Mortgage, LLC, Loans made or arranged pursuant to a California Financing Law license – License # 60DBO-173959. Available in select states.

Mortgage Loan Disclosure:

Obtaining a mortgage loan involves various fees that can differ depending on factors like loan amount, credit score, and property location. These fees may include but are not limited to, origination charges, appraisal costs, title insurance, and recording fees. All residential mortgage loans are subject to the credit standards and the independent approval of Defy Mortgage, LLC. Contact us for fees and terms. Down payment amounts subject to vary depending on applicant credentials including but not limited to FICO score, DTI and more. Certain restrictions may apply.

Terms & Conditions: https://defymortgage.com/terms-conditions/

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NMLS: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2383214

State Licensing: https://defymortgage.com/state-licensing-status/