Investment Property Loans by State | 45 States | Home Equity Lending

Home Equity Lending is a Texas-based direct lender funding investment property loans in 45 states. We specialize in non-owner-occupied financing — DSCR loans, hard money, fix & flip, bridge loans, new construction, and no-doc stated income loans. No W-2 required. No tax returns. Close in as few as 5 days.

Call direct: 877-895-3634 | Same-day response | Written term sheet within 24 hours

States We Lend In

Select your state below to see available loan programs, rates, and requirements for investment properties in your market:

Loan Programs Available Nationwide

  • DSCR Loans — Qualify on rental income. No W-2, no tax returns. Min DSCR 1.0. Available in all 45 states.
  • Hard Money Loans — Asset-based, close in 5–10 days. Up to 75% LTV. All credit welcome.
  • Fix & Flip Loans — Up to 90% LTC. Draws, fast funding, no prepay penalty.
  • Bridge Loans — Short-term financing for acquisitions and transitions.
  • New Construction Loans — Ground-up funding for investors and builders.
  • No-Doc / Stated Income — No income verification. Qualify on equity and property value.
  • Cash-Out Refinance — Tap equity from existing investment properties.
  • Vacation Home & STR Loans — Airbnb, VRBO, and short-term rental financing.

Why Investors Choose Home Equity Lending

  • Direct lender since 1998 — no broker, no middleman
  • No W-2, no tax returns, no pay stubs required
  • Close in as few as 5 business days
  • Loan amounts from $75,000 to $5,000,000+
  • All credit considered — 600+ FICO preferred
  • LLCs, corporations, and trusts OK
  • Lending in 45 states (see list above)

We do not currently lend in: Arizona, Minnesota, Nevada, North Dakota, or Utah.

Scroll to Top