Need Funding For Your 1-8 Unit Investment Property Project? Our Experienced Team Can Do Most Loans!

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Close In 2 Weeks | 640 Min. FICO | Loans Up To $100M | 1-8 Unit Properties ONLY!

Rates As Low As 5.375% (5.978% APR) & 24 Hour Underwriting

Get the funds you need quickly to buy, refinance or restructure debt for investment properties! 

Best Rates · 24-Hour Underwriting · Experienced Lender

Close In 2 Weeks | 620 Min. FICO | Loans Up To $100M | More Details Below

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1-8 Unit Rental Property Loans

  • 40 & 30 Year Options
  • ​10-Year Interest-Only
  • Up To 85% LTV On Purchase
  • ​Up To 80% On Cash-Out
  • Loans Up To $50 Million
  • ​No Tax or Income Doc Options
  • ​Up To 8 Units
  • ​Qualify On Bank Statements / P&Ls 
  • ​Blanket & Portfolio Loans

1-8 Unit Bridge & Construction

  • Up to 90% LTC

  • ​Loans Up To $100 Million

  • ​Fix+Flip & Bridge

  • ​Bridge Loans

  • ​Middle-of Construction

  • ​Ground-up Construction

  • 1-4 Unit Multi-Family

Property Types We Don't Lend On

  • 9+ Unit Properties

  • Warehouses

  • Mixed-Use

  • ​Land

  • ​Manufactured / Mobile Homes

  • ​Special Use / Niche

Rates Are Low & Our Process is Quick & Painless

We’re here to make the process a whole lot easier, with tools and expertise that will help guide you along the way.


We’ll help you clearly see differences in programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

30 Year Fixed Rate Mortgage

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper.

30 Year Fixed Rate Mortgage

30 Year Fixed Rate Mortgage

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper.

Adjustable Rate Mortgages

Adjustable Rate Mortgages

An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower than that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.

40 Year Interest Only

40 Year Interest Only

  • How does this work?
  • ​The first 10 years are interest only, followed by a 30-year fixed in years 11-40 (principal & interest)
  • ​Does the rate ever change?
  • ​No, it is FIXED the entire 40 years
  • ​Can I pay the principal down in first 10 years?
  • ​Yes, you can!
  • ​Any prepayment penalties?
  • ​The standard is 3 years
  • ​The penalty is equivalent to 6 months of interest payments
  • ​There is no penalty if you decide to sell, only if you refinance or pay off the loan in full
  • ​During the first 3 years, you are allowed to pay up to 20% of the principal down with no penalty
  • ​Any PMI for 15% down?
  • ​None
  • ​Can I use this to finance a manufactured home?
  • ​Unfortunately not
  • ​Can I use this on a refinance?
  • ​Absolutely! Cash-out and Rate and term!
  • ​What properties are these available for?
  • ​Single family, condos, 2-4 units
  • ​Does it have to be investment property?
  • ​This is available on primary residences, second homes, and investment properties!
  • ​Can I close in a LLC, corporation, trust, or other entity?
  • ​Yes! We just need to make sure the majority owners are on the loan, or members are on the loan.

40 Year Interest Only

40 Year Interest Only

  • How does this work?
  • ​The first 10 years are interest only, followed by a 30-year fixed in years 11-40 (principal & interest)
  • ​Does the rate ever change?
  • ​No, it is FIXED the entire 40 years
  • ​Can I pay the principal down in first 10 years?
  • ​Yes, you can!
  • ​Any prepayment penalties?
  • ​The standard is 3 years
  • ​The penalty is equivalent to 6 months of interest payments
  • ​There is no penalty if you decide to sell, only if you refinance or pay off the loan in full
  • ​During the first 3 years, you are allowed to pay up to 20% of the principal down with no penalty
  • ​Any PMI for 15% down?
  • ​None
  • ​Can I use this to finance a manufactured home?
  • ​Unfortunately not
  • ​Can I use this on a refinance?
  • ​Absolutely! Cash-out and Rate and term!
  • ​What properties are these available for?
  • ​Single family, condos, 2-4 units
  • ​Does it have to be investment property?
  • ​This is available on primary residences, second homes, and investment properties!
  • ​Can I close in a LLC, corporation, trust, or other entity?
  • ​Yes! We just need to make sure the majority owners are on the loan, or members are on the loan.

Creative Financing Option

Creative Financing Option

  • Bank Statements
  • ​Self employed people don't need to sacrifice write-offs to qualify for a loan
  • ​12 and 24 month options
  • ​1099 Only
  • ​P&L + 2 months bank statements
  • ​Asset utilization
  • ​Anything liquid including bank accounts, stocks, bonds, trusts etc
  • ​Bitcoin used as an asset or income
  • ​Cross collateralization/Pledging
  • ​Liquid or non liquid

Short Term Rental Loans

Short Term Rental Loans

Qualified off of short term rental survey or AIRDNA data

INVESTOR X (DSCR)

INVESTOR X (DSCR)

  • Personal income is not a factor

  • ​No tax returns or any income docs needed

  • ​Property cash flow is used to qualify

  • ​Investment properties only

  • ​Negative cash flow acceptable

  • ​Long or short term rentals

  • ​Program available in all 50 states

  • ​Up to 29 units

  • ​Long term fixed loans

Bridge Loan with Rehab

Bridge Loan with Rehab

  • Property Type: 1-4 residential property

  • ​Occupancy: Investor

  • ​Lending Area: Nationwide

  • ​Loan Amount: 150k+

  • ​LTV: Up to 90% LTC

  • ​Experience: Not Required but Needed for Highest Leverage

  • ​Income Documentation: Not Required

Ground Up Construction

Ground Up Construction

  • Property Type: 1-4 residential property

  • ​Land: Must be owned and Permits Issued by Closing

  • ​Occupancy: Investor

  • ​Lending Area: Nationwide

  • ​Loan Amount: 150k+

  • ​LTV: 85% LTC

  • ​Experience: 3 Experience in last 3 years (one must be GUC)

  • ​Income Documentation: Not Required

WORK WITH US

Convoy Home Loans is dedicated to helping other families and individuals improve their quality of living. We have the trust of our clients and partners because we earned it. We hold ourselves to the highest standards and deliver on those standards in every case.

©2025 Convoy Home Loans

2100 E Grand Ave,  El Segundo CA 90245

All Rights Reserved

Company License Number - 02147305 

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CONVOY HOME LOANS, INC., 1023959 & 2130517, LICENSED BY THE DEPARTMENT OF BUSINESS OVERSIGHT UNDER THE CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT, 2130517, LICENSED BY THE DEPARTMENT OF BUSINESS OVERSIGHT UNDER THE CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT, 1590915 OR LICENSED BY THE DEPARTMENT OF BUSINESS OVERSIGHT UNDER THE CALIFORNIA FINANCE LENDERS LAW, 1590915, LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, 02147305, 2130517, CONVOY HOME LOANS, INC., 2130517, 2130517, 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, INC., 1590915, 1590915, 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, INC. & 2130517, 2130517, CONVOY HOME LOANS, INC., [BROKERS CERTIFICATE OF REGISTRATION NUMBER], 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, 2130517, CONVOY HOME LOANS, INC., 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, RESIDENTIAL MORTGAGE LOAN ORIGINATOR, 1590915, CONVOY HOME LOANS, INC.,2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, INC., 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, 2130517 , RESIDENTIAL MORTGAGE LOAN COMPANY, CONVOY HOME LOANS, INC., 2130517, {NMLSCONSUMERACCESS.ORG}, CONVOY HOME LOANS, INC., CL-2130517, 2130517. RATES CURRENT AS OF 02/24/26. SUBJECT TO BORROWER APPROVAL. SOME EXCLUSIONS MAY APPLY. THE ANNUAL PERCENTAGE RATE {APR} IS 5.978% WITH ESTIMATED FINANCE CHARGE OF $7,600. THE PRINCIPAL AND INTEREST PAYMENTS, WHICH WILL CONTINUE FOR 360 MONTHS UNTIL PAID IN FULL, DO NOT INCLUDE TAXES AND HOME INSURANCE PREMIUMS, WHICH WILL RESULT IN A HIGHER ACTUAL MONTHLY PAYMENT.

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