Keep Your Cash: 90% Acquisition & 100% Rehab Financing.

Institutional reliability with Private Money speed. Close in 10 days or less.

Investment Properties Owner occupied

Loan Programs

Unmatched Loan Options. Stress-Tested for Success

Fix & Flip

Fix-and-Flip loans represent a pivotal opportunity for investors looking to maximize their returns.

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Portfolio Loans

A DSCR portfolio loan is a type of financing specifically designed for real estate investors.

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Bridge Loans

A bridge loan is a short-term financing option used primarily in real estate transactions in the United States.

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Ground Up

Ground Up New Construction Loans are specialized financing options designed exclusively for constructing new buildings from the ground up.

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DSCR - Rental Loans

A DSCR - Rental Loans is a financial tool designed for real estate investors in the United States who own or are looking to purchase multiple rental properties.

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Cash Out Refinance

A cash-out refinance replaces an existing mortgage with a new one for a higher amount, allowing the homeowner to receive the difference in cash.

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Get a Quote

See if your project fits (Fix & Flip)

Credit Score

640 minimum Fico, no derogatory credit in the past 2 years

Loan Term

12-24 months

Maximum Loan to Value

Up to 90% Loan to cost, 75% of after repaired value of completed rehab

Loan Amount

$100,000 to $10 million

Liquidity Requirements

Closing costs, down payment, 1-3 months of reserves

Property Value

As is value of minimum $125,000

Property Type

Single family, 2-4 unit, condo, townhouse, multi family to 100 units

Prepay Penalty

None

Location

No rural located properties, MSA population greater than 50,000

Get a Quote

See if you project fits (DSCR - Rental Loans)

Credit Score

620 minimum Fico, no derogatory credit in the past 2 years

Loan Term

30 or 40 years

Maximum Loan to Value

80% of purchase and rate and term refinance, 75% cash out

Prepay Penalty

Mostly 3 years and can be reduced to 1 year

Location

No rural located properties, MSA population greater than 50,000

Purpose

Long-term mortgages for stabilized cash flowing rental properties

Property Value

As is value of minimum $125,000

Property Type

Single family, condo, townhouse, 2-10 units

Minimum DSCR

Minimum debt coverage 1:1, we can go lower with some restrictions
Up to 90% Loan to cost, 75% of after repaired value of completed rehab

Loan Amount

$100,000 to $5,000,000 million

Liquidity Requirements

Closing costs, down payment, 6 months of reserves

Contact us to see your rate

We will respond to your email within 24 hours, often sooner! There are no black holes here.

Call us Now

(805) 203-0991

Opening Hours

Monday – Friday : 9 am to 5 pm
Saturday : 9 am to 1 pm

Email Address

info@afloans.mortgage

Our Location

2625 Townsgate Rd. Suite 330

Westlake Village - CA 91361

American Financial Lending INC.

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Recent Deals

Cleveland, Ohio
Loan Type: Fix and Flip
Loan Amount:
LTC: 75
Canon, CA
Loan Type: Fix and Flip
Loan Amount: 1,450,000
LTC: 85
Menifee, CA
Loan Type: Fix and Flip
Loan Amount: 340,000
LTC: 90
Santa Barbara, CA
Loan Type: Long Term Rental
Loan Amount: 380,000
No Income Documentation
40 Year Interest Only
Oceanside, CA
Loan Type: Long Term Rental
Loan Amount: 300,000
No Income Documentation
30 Year Fixed
Pico Rivera, CA
Loan Type: Long Term Rental
Loan Amount: 502,000
No Income Documentation
40 Year Interest Only
Menifee, CA
Loan Type: Fix and Flip
Loan Amount: 340,000
LTC: 90
Sarasota, FL
Loan Type: Fix and Flip
Loan Amount: 290,000
LTC: 90
Yuba City, CA
Loan Type: Long Term Rental
Loan Amount: 238,500
No Income Documentation
40 Year Interest Only

Why Professional Investors Choose Us Over Banks

 
        Feature

          Competitor
          Traditional Bank
        
          ★ Recommended
          Your Lending Partner
          American Financial
Lending
        
        Closing Speed

        ✕ 30–60 Days

        ✓10 Days or Less

        Documentation

        ✕ Full Tax Returns & W2s

        ✓No Tax Returns Required

        Debt-to-Income (DTI)

        ✕ Strict DTI Ratios

        ✓No DTI — Asset Based

        Leverage (LTC)

        ✕ Max 75% LTC

        ✓Up to 90% LTC

        Rehab Funding

        ✕ Out of Pocket

        ✓100% Construction Covered

        Decision Maker

        — Loan Committee

        ✓In-House Underwriting

Keep Your Cash: 90% Acquisition & 100% Rehab Financing.