Real estate financing for investors is not one product — it is a toolkit. A six-month fix-and-flip in Indianapolis needs different leverage, speed, and underwriting than a stabilized fourplex in Charlotte or a value-add industrial flex in suburban Chicago. Jaken Finance Group built this page as the View All States hub: a starting point to match your deal type, geography, and hold period to the right capital stack.
Whether you are acquiring distressed inventory, funding rehab draws, bridging to a DSCR refi, or scaling commercial holdings, the sections below map each product and link to state-specific program pages across our nationwide footprint.
Hard money: asset-based speed for investment property
Hard money loans are short-term, asset-based financing secured by the property — not your W-2. Lenders underwrite purchase price, after-repair value (ARV), exit strategy, and borrower liquidity. Approval timelines measured in days, not weeks, make hard money the default for competitive offer situations and violation-heavy files banks will not touch.
Typical 2026 hard money characteristics for non-owner-occupied deals:
- Rates: roughly 9%–13.5% interest-only, depending on experience and asset type
- Leverage: up to 90% loan-to-cost (LTC) on rehab deals for qualified sponsors
- Term: 6–24 months with extension options
- Best for: acquisitions where speed and leverage beat cost of capital
Start with a state hub — for example hard money lenders Illinois — then drill into metro pages where available (Chicago, Tampa, Atlanta, and others).
Fix-and-flip loans: acquisition plus rehab holdbacks
Fix-and-flip financing combines purchase funding with draw-based rehab holdbacks. The lender funds acquisition at closing and releases renovation dollars as milestones are verified — protecting both parties and keeping your cash free for the next deal.
Flip loans pair naturally with hard money underwriting: ARV-driven leverage, interest-only carry during the project, and a defined sale or refi exit. Experienced operators model all-in cost (points, interest, carry, selling costs) against ARV before they wire earnest money.
State entry points:
- Fix and flip loans Illinois
- Fix and flip loans Indiana
- Fix and flip loans Florida
- Fix and flip loans Georgia
- Fix and flip loans North Carolina
DSCR loans: qualify on rental income, not personal DTI
DSCR (debt service coverage ratio) loans let investors finance or refinance rental property based on property cash flow rather than traditional debt-to-income documentation. Lenders divide net operating income by the monthly housing payment (P&I or PITIA, depending on program) and look for ratios typically between 1.0 and 1.25.
DSCR is the permanent-financing leg of the BRRRR method: buy with bridge or hard money, rehab, lease up, then refi into long-term debt and pull capital for the next acquisition. Programs vary on LLC vesting, short-term rental treatment, cash-out seasoning, and interest-only vs. amortizing terms.
State DSCR hubs:
- DSCR loans Illinois
- DSCR loans Indiana
- DSCR loans Florida
- DSCR loans Georgia
- DSCR loans North Carolina
For BRRRR-specific strategy, see mastering the BRRRR strategy for DSCR success.
Bridge loans: gap financing between acquisition and permanent debt
Bridge loans cover the period between buying (or finishing rehab) and placing long-term financing or selling. They are usually interest-only, shorter-term, and priced between hard money and agency debt. Common use cases include lease-up bridges, 1031 exchange gaps, and portfolio transitions where a property is not yet stabilized enough for DSCR.
Illinois investors can review bridge loans Illinois for statewide terms. Bridge products follow the same asset-based logic as hard money — the lender cares about collateral value, exit clarity, and your liquidity to carry the asset through the bridge window.
Commercial lending: multifamily, mixed-use, and income-producing assets
Commercial real estate financing serves stabilized and value-add assets: multifamily, retail, office, industrial, and mixed-use. Down payments, DSCR requirements, and amortization schedules differ materially from single-family investor products. Expect more scrutiny on tenant quality, lease rollover, and environmental or zoning issues.
Illinois commercial programs are outlined at commercial lending Illinois. For down payment benchmarks by asset class, see commercial real estate loan down payment requirements 2026.
How to find financing in your state
Jaken publishes state product pages following a consistent URL pattern. Replace {state} with the lowercase full state name (hyphenated):
| Product | URL pattern |
|---|---|
| Hard money | /hard-money-lenders-{state}/ |
| Fix and flip | /fix-and-flip-loans-{state}/ |
| DSCR | /dscr-loans-{state}/ |
Examples: /hard-money-lenders-texas/, /dscr-loans-ohio/, /fix-and-flip-loans-colorado/.
Five focus states — quick links
These markets represent a large share of our origination volume and have dedicated state hubs plus metro spokes:
Illinois (headquarters) — Hard money · Fix and flip · DSCR · Bridge · Commercial
Indiana — Hard money · Fix and flip · DSCR
Florida — Hard money · Fix and flip · DSCR
Georgia — Hard money · Fix and flip · DSCR
North Carolina — Hard money · Fix and flip · DSCR
South Carolina — Hard money · Fix and flip · DSCR · Charleston metro · Greenville metro
Jaken Finance Group operates from 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196 and funds non-owner-occupied investment property nationwide. State pages include local market context — RLTO in Chicago, hurricane insurance in Florida, landlord law in Georgia — so you are not reading generic copy with a state name swapped in.
Pick the right product for your deal
Not sure where to start? Our what kind of loan do you need flow matches your timeline, property type, and exit to hard money, flip, DSCR, bridge, or commercial options. You can also submit a financing scenario with address, purchase price, rehab budget, and target hold period for a tailored response.
For a broader program comparison, visit real estate financing solutions and loan options.
To pre-qualify today, click Prequalify Today on our home page or call 347-696-0192 to discuss your next acquisition, rehab, or refinance.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access . All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.
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Jaken Finance Group, 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196