Investment Property Finance
Asset-based lending. No tax returns. No income verification. No ratio requirements on residential properties — and none on commercial loans up to $500K. Clear, flexible financing for serious investors from $75K to $5M and beyond.
Loan Programs
Whether you're acquiring, stabilizing, or repositioning — we have a program that fits.
Short-term capital to move quickly on acquisitions or bridge the gap while you stabilize or reposition an asset. Close fast, buy now, refinance when ready.
Long-term financing for stabilized investment properties. Qualified on rental income — not your personal income. Perfect for portfolio building.
Acquisition and renovation financing in one loan. Geared for experienced flippers who need speed, certainty, and flexibility on draw schedules.
Unlock equity in your investment portfolio to fund your next deal. No income verification. No seasoning requirements on select programs.
Designed for self-employed, foreign nationals, and investors whose personal income doesn't tell the full story. Qualify on the asset, not your W-2.
Tell us about your deal and we'll structure the right program. Our underwriters think in scenarios — not boxes.
Why Enzo
We built Enzo around one belief: great investors shouldn't be slowed down by paperwork designed for primary homebuyers.
No tax returns, no W-2s, no P&Ls. We underwrite the deal — the property, the equity, and your plan. Simple as that.
1–4 Unit Residential: No DSCR or debt ratio requirements — ever. Qualify on the property and equity alone.
Multifamily, Mixed Use & Commercial: No ratio required on loans up to $500K. Above that, evaluated case by case.
Our streamlined process means term sheets in days, not weeks. When an opportunity closes fast, so do we.
Every deal is reviewed by humans who understand real estate investing. No algorithm rejections, no arbitrary overlays.
Property Types
From single-family rentals to commercial strip malls — if it generates income, we want to finance it.
Single-family, duplex, triplex, quadplex. The backbone of most investment portfolios.
5+ unit apartment buildings. Value-add, stabilized, or repositioning — we underwrite them all.
Retail on the ground floor, residential above. Common sense underwriting for complex assets.
Strip malls, inline retail, commercial condos, and storefront properties nationwide.
Traditional and flex office space, medical offices, professional buildings.
Self-storage, light industrial, distribution, and warehouse facilities.
Repair shops, body shops, tire centers, and automotive service facilities. Standard commercial underwriting applies.
Owner-user or investor commercial condo units. Flexible programs for this often-overlooked asset class.
We do not finance special purpose properties including gas stations, car washes used as collateral, banquet halls, or raw land.
Loan Parameters
Who We Serve
Traditional banks underwrite people. We underwrite opportunities. If the deal makes sense, we'll find a way.
Your income looks complicated on paper. We don't need the paper. Entrepreneurs and business owners qualify on the strength of their assets and properties — not their tax returns.
You've outgrown conventional limits. Whether it's your 5th property or your 50th, we scale with you — no portfolio count caps, no debt-to-income ceilings that kill your next deal.
No US credit required. We work with international investors looking to build or expand US real estate portfolios, with programs designed for non-resident buyers and LLCs.
Starting your portfolio? We'll walk you through the process clearly. You don't need a long investment history — you need the right deal structure, and we'll help build it.
Lending Footprint
Enzo Lending is licensed to originate investment property loans nationwide — with limited exceptions.
How It Works
Tell us about the property, loan amount, and your goals. No application fee, no commitment required.
Within 24–48 hours, we provide a detailed term sheet outlining rate, structure, and conditions.
We order the appraisal and review the file. No tax returns, no paystubs — just the property docs.
We coordinate with your title company for a smooth closing. Funds wire on schedule.
Get Pre-Qualified
No hard credit pull. No commitment. Just a real conversation about what we can do for you.
Response within 1 business day — often same-day for straightforward scenarios.
No income documents, tax returns, or W-2s needed to start the conversation.
Direct access to our lending team — not a call center or an algorithm.
Honest answers on what's possible — even if the answer is "not yet, but here's why."