AI Mortgage Concierge

Real investor numbers in 60 seconds

No forms. No waiting. No credit impact. Tell us the deal — DSCR, non-QM, bridge, or hard money — see the math instantly, then text or email yourself the scenario or have us call you right now.

Today's 30-yr fixed sample: 5.999%

Popular:Refinance·Home Equity·Buy a Home·Investment Property·Loan Programs

4Homes is a mortgage advertising and lead-generation platform. Numbers shown by the concierge are estimates for illustration based on our current published rate examples — not a rate lock, loan approval, or Loan Estimate. Your actual rate and payment depend on credit, equity, occupancy, and loan program, and are set by the lending partner matched to your request. Principal-and-interest figures exclude taxes and insurance. Equal Housing Opportunity.

Updated July 10, 2026

Investor Pricing Scenarios

Investor loans price differently than owner-occupied mortgages. See the shape of a DSCR, non-QM, bridge, or interest-only structure, then request a scenario review for your property.

30-Year Fixed

Popular

5.999%

6.150% APR

Sample rate · 30-year term

15-Year Fixed

5.375%

5.596% APR

Sample rate · 15-year term

FHA 30-Year

Low down payment

5.750%

6.517% APR

Sample rate · 30-year term

VA 30-Year

Eligible veterans

5.625%

5.911% APR

Sample rate · 30-year term

View Pricing Scenarios Request a Scenario Review

The scenarios shown are illustrative program structures for non-owner-occupied investment property — not quotes, loan estimates, rate locks, or commitments, and not a guarantee that any borrower or property will qualify. Actual terms depend on debt service coverage ratio, loan-to-value, credit profile, property type, occupancy, state, documentation path, and reserves.

Programs for Every Stage of the Portfolio

Buy-and-hold, BRRRR, fix-and-flip, or portfolio scaling — pick the structure that matches the strategy, the property, and the exit

DSCR Loans

Qualify on rental cash flow — no personal income docs, no property-count cap

Bank-Statement / Non-QM

For self-employed investors whose returns understate real income

Bridge Loans

Close on the next deal before the last one sells or refinances

Hard Money / Fix-and-Flip

Asset-based, ARV-driven financing built for speed and rehab

Portfolio & 5+ Unit

Blanket and commercial-residential structures for larger holdings

Crunch the Numbers

Use our free calculators to plan your purchase before you apply

Mortgage Calculator

Calculate your monthly payment

Affordability Calculator

See how much home you can afford

Refinance Calculator

Find out how much you could save

Why Investors Work with 4Homes

The investor-first difference, in four points

Investor Lending Is the Whole Focus

Not a side menu under a consumer-mortgage site — DSCR, non-QM, bridge, and hard money are the core of what we do.

National Reach

Investor and non-QM programs lend across state lines, so an out-of-state or multi-market portfolio isn't a barrier.

Deal-Math First

We speak DSCR ratios, ARV, cash-on-cash, and carry cost — the language you use to decide whether a property pencils.

Licensed, Straight-Shooting Guidance

NMLS-licensed brokerage voice: factual terms, honest tradeoffs, no approval promises before the file supports them.

256-bit Encryption

NMLS Licensed

BBB A+ Rated

Equal Housing Lender

Investor Insights & Guides

DSCR, non-QM, bridge, and hard money — explained without the jargon

DSCR Loans: Qualify on Rental Cash Flow

DSCR Loans: Qualify on Rental Cash Flow

How DSCR loans let investors qualify on a property's rental cash flow instead of personal income.

Investor Loan Options for Rental Portfolios

Investor Loan Options for Rental Portfolios

The full spectrum of investor financing — conventional, DSCR, portfolio, and commercial — explained.

Bridge Loans: Finance the Gap Between Deals

Bridge Loans: Finance the Gap Between Deals

How bridge loans let investors buy before they sell, and how bridge compares to hard money and HELOCs.

Ready to Run Your Next Deal?

Have a property under contract or in your pipeline? Start an investor scenario and get structure and terms that fit the strategy.

888-799-4930 · Available Mon–Fri 8am–8pm EST