Flex Loan – 30 Year Fixed
A long-term, fixed-rate option built for real estate investors who want stable payments, no balloon surprises, and a structure that supports smart cash flow planning.
Program Overview
The Flex Loan is designed for investors who want a dependable, fixed-rate structure over 30 years. It can be a strong fit for acquisitions or refinances where predictable monthly payments and long-term stability matter.
What Makes It “Flex”
Fixed Rate Stability
Lock in a consistent payment structure to reduce uncertainty and improve long-term planning.
No Balloon Payments
Built to avoid short-term balloon structures that can force a refinance at the wrong time.
Cash Flow Friendly Options
Some structures may include an interest-only period (up to 10 years) to help optimize cash flow early on.
Investor-Focused Qualification
In many cases, eligibility can be based more on property value and deal strength than personal income alone.
Features vary by program and underwriting.
Who This Can Help
- Self-employed investors and small business owners seeking flexible underwriting
- Investors who want stable, long-term fixed payments
- Buyers needing a reliable structure while transitioning from one property to the next
- Portfolio owners planning for predictable cash flow and long-term growth
Eligible Property Types (Examples)
- Investor 1–4 Units: SFR, Condos, and 2–4 Unit properties
- Multi-Family: 5+ unit properties (program dependent)
- Mixed-Use: Residential + commercial combinations
- Commercial: Office, retail, warehouse, self-storage, automotive facilities, group homes, churches, and more
Property eligibility varies by guidelines and underwriting.