LoanGuys.com isn’t a traditional bank — and that’s exactly why investors choose us.
We’re a specialist mortgage brokerage built specifically for real estate investors, offering speed, flexibility, and access to the entire lending market.
💡 The Key Difference
Traditional lenders focus on borrowers — your income, job history, and tax returns.
LoanGuys.com focuses on properties — their cash flow, value, and investment potential.
We approve loans based on rental income and property performance, not W-2s, pay stubs, or personal debt-to-income ratios.
🏦 Traditional Lenders vs. LoanGuys.com
Feature | Traditional Bank | |
Qualification Method | Based on borrower income and tax returns | Based on property cash flow (DSCR) |
Speed to Close | 30–60+ days | 2–4 weeks (often faster) |
Flexibility | Strict underwriting rules | Case-by-case investor review |
Programs Offered | Conventional, FHA, VA | DSCR, Fix & Flip, Bank Statement, Bridge |
LLC Ownership | Usually not allowed | Fully allowed |
Experience with Investors | Limited | Specialized team for real estate investors |
⚙️ How We Work Differently
As a broker, LoanGuys.com isn’t tied to a single bank or set of rules.
We partner with multiple wholesale lenders nationwide — giving our clients access to the entire market and helping them secure the best possible rate and structure for each deal.
Our process includes:
Quick online application and same-day review
Dedicated investor-focused loan advisor
Transparent quotes with no hidden fees
Fast approvals and closings tailored for investment timelines
We shop your loan across multiple lenders, ensuring you get the best terms available for your specific property type and DSCR ratio.
🧱 Built for Investors
LoanGuys.com is designed for:
Landlords and buy-and-hold investors
Short-term rental operators (Airbnb, VRBO)
Fix & flip investors
Self-employed business owners
Real estate portfolio investors
Whether you’re buying your first rental or refinancing your tenth, our goal is to make the lending process fast, flexible, and investor-friendly.
💬 Key Takeaway
The difference is simple — LoanGuys.com is built around investors, not banks.
We focus on cash flow over credit, speed over red tape, and solutions over limitations — helping you close deals faster and grow your real estate portfolio.