Bridging Real Estate Investment Dreams with Flexible Lending

Tailored mortgage solutions for real estate investors. Qualify based on rental income vs. personal income.

Get Free Rate Quote
Easy Cash-Out Refinance
Qualify Based on
Rental income
No W2s, Pay Stubs,
Tax Returns Needed 
No Personal Income
Verification Required
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How It Works

1

Start By Choosing Your Location

2

Understanding the Finances with our Loan Officers

3

Work Closely with Local Agent

4

Finding Your Dream Home

5

Closing the Deal

6

Taking Ownership

Take the first step towards achieving your goal. Click below to begin your journey with us.

Start Now, For Free

Your Go-To Solution for
Real Estate Investor Mortgages and Rental Property Loans

Your Go-To Solution for Real Estate Investor Mortgages and Rental Property Loans

At Ziffy Mortgage, we specialize in providing mortgage solutions for real estate investors who don’t fit the conventional mold. Whether you’re a new or a seasoned real estate investor, we offer flexible lending programs designed to meet your unique investment needs. 

Our Mortgage Programs Tailored for
Real Estate Investors

DSCR Loan
Fix & Flip Loan
Bridge Loan
Full Doc Loan

Debt Service Coverage Ratio (DSCR) Loan

“Unlock property potential with income-driven financing”

Designed for real estate investors, this loan focuses on property cash flow rather than personal income. Ideal for maximizing your investment potential.

Requirements:

DSCR Ratio: 1 or Higher, No Ratio DSCR Program Available
LTV Ratio: Upto 80% for purchase and rate term refinance, upto 75% for cash out refinance
Loan Amount: $75K – $10M
Credit Score: Minimum 620
Cash Reserves: 2 months
Property Use: Investment properties (residential and commercial)
Get Rate Quote
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Why Ziffy Mortgage is the Right Choice for You

Flexible lending solutions

for non-conventional borrowers

Expert guidance

for real estate investors

Quick approvals and

competitive rates

End-to-end support

at every step

What Our Clients Say

“The company offers a fully remote working environment, which allows for a great work-life balance and the ability to work from anywhere. Flexible working hours: The flexibility in working hours is fantastic, accommodating different time zones and personal schedules.”

Dwitiya Parale

Sr. Graphic Designer

Traditional Mortgages Not a Fit?
Ziffy Has You Covered!

Whether you’re a real estate investor or a non-traditional borrower, we offer flexible lending options tailored to your unique situation. Get the financing you need without the usual hurdles.

Get Started
247 Cayuga Rd. Ste 700,
Buffalo, New York – 14225