Investor Loan Program – Build Wealth Through Real Estate
The Investor Loan Program at Michael Pendergist is tailored specifically for real estate investors looking to finance income-generating properties. Whether you’re investing in Arvada, Colorado or expanding your portfolio across Florida, Texas, Arizona, or California, we offer flexible, streamlined financing designed for buy-and-hold properties, short-term rentals, and multi-unit assets.
Maximize Returns with Low-Doc Solutions
Our investor-friendly lending options—including DSCR (Debt-Service Coverage Ratio) loans—make qualifying easier by focusing on the property’s income rather than personal income or tax returns. This makes it easier to scale quickly, especially in competitive markets like California or high-growth areas in Missouri and Kansas. We empower investors to acquire and leverage property efficiently.
Financing for New and Seasoned Investors
Whether you’re a first-time investor in Arvada or a seasoned landlord in Wyoming, our Investor Loan Program accommodates a wide range of experience levels. We offer solutions for SFRs, condos, 2-4 units, and even small apartment complexes—allowing you to diversify your portfolio with expert guidance at every stage.
Key Benefits of Using Our Loan Programs
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Tailored Solutions for Every Situation
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Local Expertise with Multi-State Reach
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. Fast, Transparent, and Personalized Process
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Support for All Borrowers—Traditional or Unique
Refinance, Cash Out, and Grow
Already own an investment property? Our program includes refinancing and cash-out options so you can reinvest in additional properties or renovate to increase value. We assist property owners in Texas, Florida, and beyond in leveraging existing assets to maximize future cash flow and equity growth.
Financial Clarity from Day One
Our team breaks down all costs, timelines, and expectations so you’re never caught off guard. From interest rates to down payment options and closing costs, we keep everything transparent. Whether you’re buying in Kansas or California, our loan experts keep you fully informed at every step.
We are known for
Personalized Purchase Loan Strategies
Trusted in 8 States Including Colorado
First-Time Buyer Friendly Options
Fast Pre-Approvals and Clear Communication
"FAQs"
We offer a wide variety of mortgage solutions including Purchase Loans, First-Time Home Buyer Loans, Down Payment Assistance, VA Loans, FHA Loans, DSCR Loans, USDA Loans, Jumbo Loans, Bank Statement Loans, Investor Loans, Renovation Loans, and Fix and Flip Loans. These are available to clients in Arvada, Colorado, and across Wyoming, Arizona, Texas, Florida, Missouri, California, and Kansas.
FHA Loans are great for buyers with lower credit scores and smaller down payments. VA Loans are exclusively for eligible veterans and active-duty service members, offering zero-down financing. USDA Loans provide 100% financing for buyers in eligible rural and suburban areas with moderate income.
Down Payment Assistance programs help cover part or all of your down payment and sometimes closing costs. These are often available through local or state programs in areas like Arvada, Texas, or Missouri and may come as grants or forgivable second loans.
Debt Service Coverage Ratio (DSCR) Loans are for real estate investors. These loans are approved based on the income generated by the property rather than the borrower’s personal income—ideal for those with strong cash-flowing assets in markets like Arizona or California.
Yes. If you’re self-employed and don’t have traditional income documents like W-2s, a Bank Statement Loan uses 12–24 months of personal or business bank statements to determine income. We help many clients in Arvada and across Florida and Texas with this option.
Yes. FHA Loans and some non-QM programs like Bank Statement or Hard Money Loans can accommodate lower credit scores. We assess your full financial picture to find the right loan product.
Simply reach out to our team to start your application. We offer an easy digital process, fast pre-approvals, and personalized support every step of the way—whether you’re buying your first home or scaling your investment portfolio.
Real Estate Investment Made Easy
At Michael Pendergist, we help simplify the investment process by providing clear, fast approvals, direct communication, and expert insight into local and regional markets. Our team in Arvada, Colorado and throughout Missouri, Kansas, and California is here to ensure your real estate investments deliver the returns you expect—with confidence and ease.
