Investor Loan Rates & Terms

Q: What's the minimum loan amount?

Most programs start around $75K-$100K, though it varies by program.

Q: How high can the leverage go?

DSCR rentals typically go up to about 80% LTV; bridge and fix-and-flip can reach higher loan-to-cost.

Q: Are there prepayment penalties?

Many investor loans carry a prepayment penalty, often a step-down structure. Specifics depend on program and state.

By the Bentley Equity Loans Team
Investor lending specialists · DSCR, bridge, fix & flip & multi-family

Investors comparison-shop, and they should. Below is an honest, plain-language overview of how our investor loan programs are typically structured — the loan sizes, leverage, and terms you can expect. Every number here is a general range, not a quote. Your actual terms depend on the property, your credit, the loan-to-value you want, and the program you choose, which is why the fastest path to a real rate is to send us your scenario.

Why we don't post a single headline rate

Any lender who shows you one rate is showing you the best-case number for a perfect borrower — and it almost never applies to your deal. Your real rate moves with your credit, your loan-to-value, the property type, the DSCR, and whether you're buying or refinancing. We'd rather quote you honestly than advertise a number you can't actually get.

Typical program ranges

Program	Loan size	Typical max LTV	Term structure
DSCR rental loans	$75K – $3M+	Up to ~80%	30-yr fixed, ARM, interest-only options
Bridge financing	$100K – $3M+	Up to ~80% LTC	Short-term (typically 12–24 months)
Fix & flip	$100K – $2M+	Up to ~90% LTC / ~75% ARV	Short-term, purchase + rehab
Multi-family (2-4 unit)	$100K – $3M+	Up to ~75–80%	Long-term, fixed or ARM

Ranges shown are typical and for illustration only. They are not an offer or commitment to lend. Actual loan amounts, leverage, rates, and terms vary by borrower, property, and program, and are subject to underwriting and change without notice.

What moves your rate

Credit profile — stronger credit earns better pricing, though DSCR programs are more flexible than conventional loans.
Loan-to-value — every step up in leverage (70% → 75% → 80%) carries a pricing premium.
DSCR ratio — a 1.25+ ratio earns the best pricing; tighter ratios cost a little more.
Property type — single-family is the cheapest tier; short-term rentals, condotels, and 5+ unit properties step up from there.
Loan purpose — purchases generally price better than cash-out refinances.

The honest way to compare lenders

Headline rates are close to meaningless across lenders because every shop builds its matrix differently. The only comparison that matters is the rate on your actual scenario — same credit, same LTV, same DSCR, same property type. Get a real quote from us and one or two others on the identical deal, and you'll see who's genuinely competitive. We're confident enough in our terms to encourage exactly that.

Frequently Asked Questions

What are your current DSCR loan rates?

Rates move daily and depend on your credit, loan-to-value, DSCR, and property type. Rather than advertise a number you may not qualify for, we quote your actual scenario — usually within 24 hours of receiving it.

What's the minimum loan amount?

Most of our programs start around $75K–$100K, though it varies by program. Send us the deal and we'll confirm.

How high can the leverage go?

DSCR rentals typically go up to about 80% LTV, and short-term fix-and-flip or bridge loans can reach higher loan-to-cost. Your exact maximum depends on the property and your profile.

Are there prepayment penalties?

Many investor loans carry a prepayment penalty, often structured as a step-down (for example 5-4-3). The specifics depend on the program and the state, and we'll always disclose them up front.

Why we don't post a single headline rate

Typical program ranges

What moves your rate

The honest way to compare lenders

Frequently Asked Questions

Get a real rate on your real deal