# 4Homes

> 4Homes (4homes.com) is a nationwide U.S. investor-lending marketplace. It arranges investment-property financing — DSCR loans, non-QM, bank-statement, hard-money, and bridge loans — through licensed lending sources, qualifying deals on the property's rental cash flow rather than the borrower's tax returns. Consumer options (purchase, refinance, home equity) are also available. Phone: 888-799-4930.

Key facts: DSCR loans qualify on rent ÷ payment, not personal income; LLC vesting allowed; no cap on financed properties; nationwide coverage. Estimates are not loan commitments. Equal Housing Opportunity.

## Loan programs
- [DSCR loans](https://4homes.com/loan-programs/dscr): Qualify on the property's rental income — no tax returns or W-2s.
- [All loan programs](https://4homes.com/loan-programs): Conventional, FHA, VA, USDA, jumbo, non-QM, bank statement, bridge, construction.
- [Investment property financing](https://4homes.com/investment-property): DSCR and investor loan options with an AI concierge that runs real numbers.
- [Home equity](https://4homes.com/home-equity): HELOC and home equity loans that leave the first mortgage untouched.
- [Refinance](https://4homes.com/refinance): Rate/term and cash-out refinancing.

## Data & tools
- [DSCR by state — data study](https://4homes.com/dscr-by-state): All 50 states ranked by whether typical metro rent covers the median home's investor-loan payment, computed at current published rates from Zillow ZHVI/ZORI data.
- [Mortgage calculators](https://4homes.com/calculators): Payment, affordability, refinance, DTI, closing costs.
- [Current mortgage rates](https://4homes.com/mortgage-rates): Published sample rates, updated twice daily.
- [What's your home worth](https://4homes.com/home-value): Free valuation with a professional review.

## Learn
- [Blog](https://4homes.com/blog): DSCR, investor loans, non-QM, hard money, and bridge financing guides.
- [Glossary](https://4homes.com/glossary): Mortgage and investor-lending terms.
- [Resources](https://4homes.com/resources): Guides including down-payment assistance.

## Contact
- Phone: 888-799-4930
- [Get started](https://4homes.com/get-started)