Invest in Real Estate on Your Own Terms:
Discover, Analyze and Finance in one place

Ziffy helps you finance your next investment property using rental income alone with DSCR Loan—no personal income or tax returns required. It’s fast and straightforward to qualify.

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No Personal Income Verification
Easy Cash-Out Refinance
No W2s, Pay Stubs, Tax Returns Needed
Qualify Based on Property’s Rental Income
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Why Choose Ziffy Mortgage?

Fast, Simple
Short-Term and Long-Term Loans

Qualify using rental income (no personal income, W-2 or tax returns). Simplified underwriting for faster closings with short-term DSCR loans and long-term fix & flip and bridge loans.

Investment Property
Search in “A Few Clicks”

Find your next investment property in minutes with Ziffy. Easily browse properties, then instantly check your monthly cashflow and ROI with a one-click property analysis.

Quick Approvals with Expert Guidance

Our experienced loan officers ensure smooth and fast approvals, guiding you. Get competitive mortgage rates and personalized support to maximize your investment returns.

Transparent Process with No Hidden Costs

Our straightforward process ensures you understand each step of your mortgage journey, with no hidden fees or surprises. Focus on your investment while we handle the details.

Tailored Mortgage
Loan Programs To
Suit Your Investment Needs

DSCR Loan

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

Bridge Loan

For borrowers needing temporary financing to transition between properties. Ideal for securing new real estate before selling existing assets.
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Requirements:
Down Payment: 25%
Credit/FICO Score: Minimum 650
Loan Term: 6-24 months Loan
Amount: $100K- $5M
LTV (Purchase): Up to 75%
LTV (Rate Term Refinance): Up to 70%
LTV (Cash Out Refinance): Up to 65%
Approval Time: Within 15 Days
Other requirements: Proof of existing property equity, exit strategy for loan repayment, and property appraisal

Fix & Flip Loans

Short-term financing for investors looking to renovate and resell properties. Fast approval and flexible terms to support your flipping strategy.
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Requirements:
Down Payment: 25%-30%
Credit/FICO Score: Minimum 650
Loan Term: 6-24 months
Loan Amount: $100K- $5M
LTC (Loan-to-Cost): Up to 92%
Rehab Cost: Up to 100%
ARV (After Repair Value): Up to 75%
Approval Time: Within 15 Days
Other Requirements: Detailed renovation plan with cost estimates. No previous experience required on flip projects

Full Documentation Loan

For those with a strong credit history and verifiable income, this traditional loan offers competitive rates and flexible terms.
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Requirements:
Down Payment: 20%-25%
Credit Score: Minimum 620
Income Documents: W2s, Pay Stubs, 1099, Bank Statements, CPA Letter for Self Employed
Loan Term: Up to 30 Years
Debt-to-Income Ratio: Less than 43%
Cash Reserves: 2 months
Property Use: Investment property, second home or primary residence
Approval Time: Within 30 Days

How The Loan Works

1

Find Investment Property

2

Property Income Assessment

3

DSCR Calculation

4

Get Pre-Approved and Close

At Ziffy Mortgage Exclusive

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 U.S. real estate.

AI-Driven Investment
Property Search Platform

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

One Stop Shop for
Investment Properties

Get everything under one roof—AI driven investment property search, investor-friendly agents, specialized finance, LLC setup, and opening US bank account.

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, 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 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 Mortgage apart from other lenders for real estate investors?

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?

Not necessarily. If you opt for a DSCR or bank statement loan, we may not 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.

Ziffy is Your One-Stop Shop
Discover, Analyze, and Finance in one place.

Not only do we finance properties, but we also help you find them.

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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.