For Everyone from First-Time Flippers to Full-Time Portfolio Builders.

Investor Loans Made Simple

Whether you're scaling a rental portfolio or flipping your first property, we build lending strategies that maximize ROI and minimize stress.

You know the process but every investment property comes with new challenges. At Couch Home Loans, we help experienced investors navigate financing with speed and strategy. Whether you’re expanding your portfolio, refinancing for better terms, or transitioning equity from one property to another, our team offers the expertise and flexibility you need to keep moving forward with confidence.

We’ll Deliver The Best-Fit Home Loan for Your Financial Picture

  • DSCR Loans

    Debt-Service-Coverage-Ratio-based underwriting. Ideal for rental investors with cash-flowing assets.

  • Fix-and-Flip Loans

    Short-term interest-only loans with up to 100% rehab funding. Designed for speed and flexibility.

  • Fix-to-Rent Loans

    Rehab now, refi into long-term rental financing later, one seamless strategy.

  • Portfolio Rental Loans

    One loan, multiple properties. Great for investors with 5+ doors.

  • Asset-Based Loans

    No tax returns or W-2s required. We qualify based on property and portfolio performance.

  • Ground-Up Construction Loans

    For investors building SFR or multi-unit investment properties from the ground up.

We Lend Like Investors Because We Work With Them Every Day.

  • Fix-and-Flip, DSCR, and Rental Loan Expertise — We underwrite with your long-term growth in mind.

  • Fast, Flexible Funding — Close in days, not weeks. No income verification required on many programs.

  • Investor-Centric Programs — Up to 95% LTC, 100% of rehab covered, and portfolio financing up to 20+ doors.

  • Strategy-First Lending — We're not just order-takers. We help you plan exits, maximize cash-on-cash returns, and position for scalability.

Loans Tailored for Real Estate Investors

  • No. We have programs tailored to first-time investors and offer extra support to help you succeed on your first deal.

  • Yes. Most investor loans are asset-based or DSCR-qualified, meaning your income isn’t the basis of approval; your project or property is.

  • Fix-and-flip and bridge loans can often close in 7–10 business days. Rental loans can close in as few as 15.

  • Yes. Our portfolio loan options let you finance 5–20 properties with one streamlined process and one monthly payment.

  • No problem. Most of our investor loans are structured to close in an entity’s name. We’ll help with setup and structure.