Investment real estate lending in Colorado and 22 more states

RynoLending provides investment property and business-purpose financing in 23 states and the District of Columbia: AR, CO, CT, DE, DC, HI, IN, KS, LA, ME, MD, MA, MS, MO, MT, NH, NM, OH, OK, PA, SC, WV, WI, WY. Contact us to confirm availability for your specific state and scenario.

We pride ourselves on speed. Investor loans like fix and flip or bridge loans can close in as little as 7-14 days depending on the complexity of the deal. DSCR and bank statement loans typically close in 21-30 days.

Typically you'll need: government-issued ID, bank statements, and information about the property. For investor loans, we may also need business entity documentation and project details. Bank statement loan programs may require 12-24 months of statements.

There is no fee to apply or get pre-qualified. We only collect fees once you decide to move forward with a loan and we order third-party services like appraisals.

Yes! We work with self-employed borrowers regularly. We offer bank statement loan programs for self-employed borrowers who may not show full income on tax returns.

A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors. Instead of using your personal income to qualify, we look at the property's rental income compared to its expenses. If the property generates enough income to cover the mortgage payment, you can qualify regardless of your personal income.

We typically look for a DSCR of 1.0 or higher, meaning the property's rental income covers at least 100% of the mortgage payment. However, we have programs for ratios as low as 0.75 for strong borrowers.

A Fix and Flip loan is short-term financing (typically 6-18 months) designed for investors who purchase properties, renovate them, and sell for a profit. These loans cover both the purchase price and renovation costs, with interest-only payments during the project.

A Bridge loan is short-term financing that 'bridges' the gap between buying a new property and selling an existing one. It's also used by investors who need quick funding to secure a deal before arranging permanent financing.

Yes! We provide financing for new construction projects from raw land through completed build. Funds are disbursed in draws as construction milestones are completed. These loans are for investment and business-purpose projects — spec builds, build-to-rent, and infill construction.

Yes! If you own investment property with equity, you can do a cash-out refinance using a DSCR loan. This allows you to pull equity from your property to fund new investments, renovations, or other purposes—all based on the property's rental income rather than your personal income.

Not necessarily. While experience helps, we work with first-time investors as well as seasoned professionals. For fix and flip loans, we may require a larger down payment or reserves for newer investors.

Yes! We have no limit on the number of investment properties you can finance. Our DSCR and investor loan programs are specifically designed for portfolio builders.

Getting pre-qualified is easy. Click the 'Get Started' button on our website, give us a call at (720) 319-7511, or email us at ryan@rynolending.com. We can typically provide a pre-qualification within 24 hours.

Pre-qualification is an initial estimate based on information you provide. Pre-approval is a more thorough process where we verify your income, assets, and credit, resulting in a stronger commitment letter that sellers take more seriously.

Absolutely! We work with first-time real estate investors and can help guide you through the process. Our DSCR and bank statement loan programs are accessible even if you’re just getting started in real estate investing.

Yes! Once you're under contract on a property, we can lock your interest rate to protect you from market fluctuations. Rate locks typically range from 30-60 days depending on your closing timeline.