Investment Property Loans in NY & MA

Q: What is the minimum down payment required?

Typically 20–30% of the purchase price. In some cases, you can also use equity in other properties to satisfy the down payment requirement, which can help investors keep their cash on hand while still meeting lender requirements.

Direct private capital for real estate investors. Whether you are scaling a rental portfolio or securing a fix-and-flip, we provide the leverage you need to close fast.

Private Financing for Real Estate Investors

An investment property loan is a non-owner-occupied mortgage designed specifically for individuals or entities purchasing real estate to generate income. Unlike traditional home loans, Mako Loans’ private investment financing focuses on the property’s value and income potential rather than the borrower’s personal debt-to-income ratio. We serve investors across New York and Massachusetts who need speed and flexibility that banks cannot offer.

Why Choose Private Capital

Your Funding Partner

Financing for Every Stage of the Lifecycle

We provide specialized capital for the most common investment strategies

Fix & Flip Loans

Short-term financing for investors buying, renovating, and reselling properties.

New Construction

Ground-up construction loans for builders developing single-family and multi-family projects.

BRRRR Loans

Buy, Rehab, Rent, Refinance, Repeat strategy loans for building rental portfolios.

Rehab Loans

Renovation financing for investors improving distressed properties in our local market.

Commercial Bridge

Short‑term commercial property acquisition and repositioning loans designed for speed and flexibility.

Other projects?

Not sure what fits? Tell us about your deal, our experts will point you in the right direction.

Typical Investment Loan Structure

Term

What It Means

Minimum Loan

$100,000

Closing Entity

LLC Required

Loan Purpose

Purchase, Refinance, or Cash-Out

Property Types

SFR, 2–4 Units, Multifamily, Commercial

Interest Rates

Competitive Private Rates (Interest Only)

Credit Score

All credit profiles considered; Asset-based

Get Funded in 3 Simple Steps

01

Quick Inquiry

Tell us about the deal. Receive preliminary terms in as little as 24–48 hours—with no hard credit pull to get started.

02

Rapid Underwriting

We handle property valuation and local underwriting entirely in-house. Our team works directly with you to verify the asset and finalize the loan structure without bank red tape.

03

Fast Closing

Once diligence is complete, we move straight to the closing table. Funds are wired to your project, often in as little as 7–14 days from your initial inquiry.

Regions We Actively Serve

We fund across New York (Capital Region, Central NY, WNY, Hudson Valley) and Western Massachusetts (Berkshires). Looking for local details? Explore our geo pages:

Local Coverage

Preparation Checklist

To ensure the fastest possible closing, have the following items ready:

Entity Documents

LLC Operating Agreement and EIN are mandatory.

Scope of Work

(For Rehab/Construction) A detailed line-item budget.

Liquidity Support

Proof of funds for down payment and reserves.

Frequently Asked Questions

Can I use an investment property loan for a house I plan to live in?

No. All Mako Loans are strictly for non-owner-occupied investment properties. These are commercial-purpose loans and cannot be used for primary residences or second homes.

Do I need a high credit score to qualify?

We are an asset-based lender. While we do review credit, our primary focus is the property’s value and the project’s viability. We do not have the same rigid credit score cutoffs as traditional big-box banks.

Can I close the loan in my personal name?

No. To qualify for our investment programs, all loans must be closed in a business entity, such as an LLC, Corporation, or Trust. This is a requirement for private business-purpose lending.

Do I need personal income or tax returns to qualify?

No. We focus on the property’s potential rather than your personal Debt-to-Income (DTI) ratio. We do not require tax returns or employment verification to approve the loan.

What is the minimum down payment required?

Typically 20–30% of the purchase price. In some cases, you can also use equity in other properties to satisfy the down payment requirement, which can help investors keep their cash on hand while still meeting lender requirements.

How fast can you fund a new deal?

With a complete file, we typically move from initial inquiry to a closed loan in 7 to 14 days.

Investment Property Loans

Fund Your Next Investment Property

Ready to scale? Submit your property details below. Our team will review your scenario and follow up with a preliminary quote.

Apply in minutes

60-second form: name, property, budget, timeline.

What We Fund

$100k+ hard money loans • New York & Massachusetts

Get Terms Fast

Deals reviewed and proof of funds sent quicky.

Funds at Closing

We coordinate title/attorney—funds wired once cleared.