Fix-and-flip bridge, DSCR rental, ground-up construction, and small-balance multifamily — underwritten on the deal, closed on the timeline, structured for the next loan.
Five product lines, sourced from a panel of balance-sheet lenders, private credit funds, and securitization desks. We work the scenario, structure the deal, and route it to the capital that fits — not the other way around.
Short-term bridge financing for the acquisition and renovation of one-to-four-unit residential investment properties. Underwritten on as-is value, renovation scope, and sponsor track record on similar product — not on personal income or W-2 documentation.
Long-term rental financing underwritten on the property's debt service coverage rather than borrower income. Built for sponsors scaling portfolios across jurisdictions, entity structures, and asset profiles — including blanket execution on stabilized pools.
Ground-up financing for residential builders and developers — single-family infill, small-lot subdivisions, and attached townhome product. Structured with budget-and-draw discipline and underwritten to the build timeline, not a generic construction template.
Small-to-mid-balance multifamily acquisition, refinance, and bridge-to-agency execution. Typically five to fifty units — value-add, repositioning, and yield strategies underwritten on the property's operating story rather than a single debt service ratio in a vacuum.
Flexible bridge capital for residential and small commercial investment properties — acquisition, recapitalization, partner buyouts, distressed take-outs, and time-sensitive opportunities where conventional execution is too slow or too rigid. Structured deal-by-deal, priced to the scenario, and closed on the schedule the transaction actually requires.
We are a broker, but we operate like a desk. Three principles run through every quote we send, every term sheet we negotiate, and every closing we coordinate.
Conventional residential lending starts with a W-2. We start with basis, exit, and the sponsor's track record on similar product. That is how institutional debt has always been underwritten — and it is how investment financing should be.
Sponsors do not lose deals because capital is unavailable. They lose them because capital is unreliable. Our role is to make timing the part of execution you do not have to manage — not a variable, not a request, not a hope.
A first closing is a transaction. The tenth is a relationship. We work in scenarios — what the property is today, what it becomes after the work, what the take-out looks like — because that is what scaling a portfolio actually requires.
Investor Mortgage is a residential investment debt desk operating across all fifty states. We work a panel of balance-sheet lenders, private credit funds, and securitization desks — placing each scenario with the provider whose box, leverage, and timeline most closely match the deal in front of us.
Sponsors submit a deal once. We work it across the panel and return the structures that actually clear — not the lowest teaser quote from a single source. Full market visibility, one point of contact.
We pressure-test the deal before it touches a lender. Basis, scope, comps, exit, sponsor experience — vetted internally so the term sheet that lands is one a credit committee will actually clear.
Most of our origination comes from sponsors on their second, fifth, or fifteenth loan. Each closing is structured assuming the next deal is already being sourced — and the paperwork, lender relationship, and pricing memory carry forward.
A two-sentence summary is enough to start. We respond inside one business day with a read on structure, leverage, and the most fitting capital on our panel.