Find the Perfect Investment Property and Fund it, All in One Place

Instantly discover high-yield rentals, detailed ROI analytics, and specialized DSCR financing – tailored for investors on one powerful platform.

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Explore Investment Properties
with Detailed ROI Analysis
Qualify Based on
Property’s Rental income
No W2s, Pay Stubs,
Tax Returns Needed 
No Personal Income
Verification Required
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All-In-One Investment Platform

Everything you need to find, analyze, and finance your next profitable property investment

Instant ROI & Cash Flow Analysis

Instant ROI & Cash Flow Analysis

Know profitability upfront with instant ROI, cash flow, and rental income estimates for every listing on MLS.

Specialized DSCR Mortgage Solutions

Specialized DSCR Mortgage Solutions

Qualify based on rental income, not personal income, through investor-friendly DSCR loans – for both new purchases and cash‑out refinances.

Insights for Short-term & Long-term Rentals

Insights for Short-term & Long-term Rentals

Identify top-performing Airbnb and traditional rentals – making profitable investment decisions effortless.

How It Works

1

Find High-Yield Listings

2

Instantly Analyze the Numbers

3

Pre-Qualify with DSCR Loans

4

Connect with local investor-friendly
real estate agents

5

Start Loan Process & Close the Deal

6

Grow Your Portfolio – Cash-out,
Re-Invest, Repeat

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

Ziffy Mortgages specializes in financing for real estate investors, including long-term financing for both long-term and short-term rentals, as well as short-term bridge or rehab loans. Enjoy some of the best rates and terms in the industry.

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

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 for best terms, 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)
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Recently Funded

Full Doc Loan

$1,254,000

Pinecrest, FL

Purchase

DSCR Loan

$203,940

Magnolia, TX

Purchase

DSCR Loan

$325,500

Miami, FL

Refinance

DSCR

$75,040

Dayton, OH

Purchase

DSCR

$357,500

New York, NY

Purchase

DSCR

$214,500

Chicago, IL

Purchase

DSCR

$150,001

Niagara Falls, NY

Refinance

Ready to start fund your next investment project?

Get tailored mortgage financing for your real estate investment.

Get Started Get Started

At Ziffy Mortgage Exclusive

Get The Best Mortgage Rates

Get The Best
Mortgage Rates

Lock in a highly competitive rate tailored for investors. Our specialized loans ensure the most favorable terms to maximize returns on real estate investment.

Free AI-Driven Investment Property Search Platform

Free AI-Driven Investment
Property Search Platform

Discover top investment properties with curated listings, cash flow, profitability analysis, and real-time market alerts. Maximize returns with minimum risk.

One Stop Shop for Investment Properties

One Stop Shop for
Investment Properties

Get everything under one roof – AI-driven investment property search, investor-friendly agents, specialized finance, LLC setup, and find the right property management company.

Stories that Inspire and
Matter the Most to Us

“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

FAQs

What types of investment properties can I finance through Ziffy Mortgage?

We offer financing solutions for a wide range of property types, including single-family homes, multi-unit residences, condos, townhomes, commercial properties, and more. Whether you’re looking to flip a property or build a long-term rental portfolio, we have loan options to fit your strategy and an AI-driven investment property search engine to help you make informed decisions.

How does the DSCR (Debt Service Coverage Ratio) loan work, and why is it useful for investors?

A DSCR loan bases your eligibility on the property’s expected rental income rather than your personal income. This is ideal for investors looking to qualify primarily on the cash flow potential of the property, making it easier to scale a real estate portfolio.

What sets Ziffy apart from other lenders for real estate investors?

Ziffy is the first All-In-One Investment platform for real estate investors, from finding to funding the property. We specialize in fast approvals, competitive rates, and minimal documentation for investor-focused loans. Our team understands the unique challenges investors face like timing, cash flow, and property-specific requirements and we tailor our programs accordingly.

How quickly can I close on an investment property with Ziffy Mortgage?

Timeframes can vary by loan type and property specifics, but our streamlined process often allows investors to close in as little as 15–30 days, helping you capitalize on market opportunities before they’re gone.

Do I need tax returns or W-2s to qualify for an investment property loan?

No. If you opt for a DSCR (Debt Service Coverage Ratio) loan, using the property’s rental income to qualify, we don’t require traditional income documentation or tax returns. We’ll review your situation and recommend the best loan product based on your qualifications and goals.

How do I get started with Ziffy Mortgage?

It’s simple. You can start by submitting our online form. We’ll schedule a brief consultation to learn more about your real estate investment plans and help you choose the right loan product, analyze your rental income through our AI-driven investment property search engine to maximize your returns.

Can I refinance an existing property with Ziffy Mortgage to access equity for new investments?

Absolutely. We offer refinance and cash-out refinance options tailored for investors who want to tap into property equity to expand their portfolio or improve existing properties.

Ready to Fund Your Next Deal – On Your Terms?

Skip the W-2 paperwork. Use the property’s rental income to qualify, lock your DSCR rate, and start building equity faster – no traditional hurdles, just investor-friendly financing.

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Mortgage products are offered by Ziffy Mortgage a 100% owned subsidiary of Ziffy. Ziffy Mortgage is a licensed mortgage broker. NMLS #2625701 | NMLS Consumer Access. Loans made or arranged pursuant to applicable state law.