At LoanGuys.com, applying for a loan is fast, simple, and entirely online.
Our process is designed for real estate investors who want quick approvals and minimal paperwork — whether you’re financing a rental property, fix & flip, or refinance.
🧭 Step-by-Step Application Process
1. Start Online
Begin by completing our quick online pre-qualification form. This short form asks a few key questions about your property, loan purpose, and goals. Once submitted, your information goes directly to our investor lending team.
2. Speak with a Loan Advisor
After submitting your details, you’ll be paired with a dedicated loan advisor who specializes in your loan type.
They’ll review your answers and discuss:
Loan programs available for your scenario
Rate and term options
Documentation needed to proceed
Be ready to share your property address, estimated rent, and down payment amount — this helps your advisor match you to the best DSCR loan options immediately.
3. Submit Supporting Documents
Upload or email your required documents (purchase contract, bank statements, etc.).
Your advisor will guide you through exactly what’s needed — no tax returns or employment verification required.
4. Appraisal & Underwriting
Once your file is complete, an appraisal is ordered to verify property value and rent potential.
The underwriter reviews your DSCR ratio, credit score, and property details to finalize your approval.
5. Loan Approval & Closing
Once approved, you’ll receive a Loan Estimate (LE) outlining your terms and fees.
After you sign your final closing package, funds are typically released within a few business days.
From application to closing, most DSCR loans can fund in 2–4 weeks, depending on appraisal turnaround and document readiness.
💡 Optional: Apply Under an LLC
If you hold properties under a business entity, you can apply in your LLC or corporation name.
You’ll just need to provide your entity documents (Operating Agreement, EIN, etc.) during the application stage.
🧠 Pro Tips for a Fast Approval
Have your bank statements and ID ready to upload before you apply.
Respond quickly to your advisor’s requests for info or docs.
Avoid major credit or financial changes during the application process.
Use accurate rent estimates — it affects your DSCR and loan size.
The LoanGuys.com process is built for speed and simplicity — giving investors access to funding without traditional banking red tape.