Loan Overview

Loan Programs

Unlock your property’s potential with our top-notch loan programs! From commercial loans to real estate funding, fix to flip, fix to rent, cash out refi, and multi-family financing, we’ve got all your property investment needs covered. With our flexible terms and expert support, you can take your investments to the next level with ease.

 

 

 

Lowest Rates Guaranteed

Rental Loans

Our hassle-free rental loans allow you to purchase or refinance with just 25% down on the purchase. Need cash-out? No problem! We offer up to 65% cash-out options to help you maximize your returns.

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Fix to Flip

Get quick and easy financing for your fix and flip project with our purchase and rehab funding. Enjoy funding in as little as 10 days, no interest on undrawn rehab funds, and lightning-fast closings.

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Commercial Loans

Ready to invest in property but short on funding? We’ve got your back! Lensz Capital offers hassle-free funding solutions tailored to your needs, based solely on your property equity. 

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Fix to Rent

Revamp your property investment game with Fix to Rent – the fastest, easiest way to finance your rehab costs and increase your ARV. Get up to 100% rehab costs, 75% ARV, and close in just 10 days with no pre-payment penalty or interest on undrawn rehab funds!

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Cash Out Refi

Unlock the equity in your property with Cash Out Refi – the hassle-free way to get a loan from $100K to $1MM without any tax or income verification requirements. Access the cash you need quickly and easily with our trusted and reliable service.

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Multi Family

Unlock the equity in your property with Cash Out Refi – the hassle-free way to get a loan from $100K to $1MM without any tax or income verification requirements. Access the cash you need quickly and easily with our trusted and reliable service.

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Lowest Investor Loan Rates Guaranteed!

We’ll beat any Comparable Lender Rate Quote

See Details

Oakland Park, FL

Loan Amount: $191,250
Interest Rate: 5.25%
Term: 30 Year
Monthly Rental Amt: $2,300
DSCR*: 1.96

Cleveland, OH

Loan Amount: $151,500
Interest Rate: 5.375%
Term: 30 Year
Monthly Rental Amt: $3,900
DSCR*: 2.53

Milwaukee, WI

Loan Amount: $114,000
Interest Rate: 5.375%
Term: 30 Year
Monthly Rental Amt: $1,280
DSCR*: 1.17
Working with Emmanuel has been a pleasant and stress-free experience, and I've never met anyone more committed to delivering on their promises. After their strategic planning I was able to pay off my loans and got qualified for a better deal, putting my business back on a healthy growth trajectory
bob harleyu
client 2
Emmanuel at Lensz is a small business lending expert. He saved me from high-interest loans by creatively consolidating them into one affordable plan that benefits my business. I highly recommend Lensz Capital for their outstanding service and expertise
jon dhony
client 1
Lensz Capital made my dreams come true! I never thought I'd be able to start my own business until Emmanuel helped me secure the funding I needed. I'm so grateful for their expertise and supports through out the overall process.
carmilla angel
client 3

America's Most Trusted Investment Lender Since 2013

Over $500 Million Provided to Investors by Our Staff of Loan Professionals

*DISCLAIMER:
We strive to give our customers the best price and service possible. If you happen to find a better price for your loan before you commit, please LET US KNOW – we will match the price of ANY competitor.

Loan Estimate from competing lender must be dated and received within 3 calendar days of submission to Lensz Capital. The terms of the competing loan must be identical (product and term) to Lensz Capital’s loan. Offer is only valid in states where Lensz Capital is currently originating loans.

The rates must be within the range of interest rates that we are currently quoting. Amounts on the Loan Estimate may still vary within regulatory tolerances from the closing disclosure based on findings in underwriting, and all loans are subject to credit approval.

Lensz Capital reserves the right to rescind or modify the terms of this offer without prior notice.

Frequently Asked Question

Lensz provides funding for residential, non-owner occupied properties.
Lensz does business in select states throughout the US. Please see our Lending Map to see if we currently loan in your area.
Lensz routinely funds investors in as little as 10 days from start to finish. This can vary depending on the size and type of the investment project.
Our approvals are primarily based on an investor’s ability to succeed. Damaged credit or self-employed is ok.
There are no pre-payment penalties for our Investor Rehab loans, and our Cash-out Refinances. Rental Property loans do have a pre-payment penalty for up to five years.
Our minimum loan amount is $100K.
Yes. Most of our loan programs include the option of funding for property rehab.
Our pricing is fair and straightforward with no junk fees or hidden charges at closing. A good faith estimate of all loan costs will be provided free-of-charge after loan request.
The Minimum down payment is 20% of the Purchase Price. This does not include closing costs.
Yes, Lensz provides Proof-of-Funds Letters to approved Investors with a (1) business day turn around.
The maximum (combined) loan-to-value can range from 60% to 80% of the After Repaired Value (“ARV”) of the investment property, depending on the loan program. The ARV is estimated by averaging recent comparable sales of arms-length transactions in the neighborhood. We typically do not use foreclosures or short sales for comparison, only conventional sales.
Debt Service Coverage Ratio (DSCR) is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations. To calculate the debt service coverage ratio, simply divide the net operating income (Rental Income) by the annual debt (Principal, Interest, Taxes, Insurance and Association Fees).
No, Lensz provides commercial only loans that are non-owner occupied (investment) properties.

Invest with us and watch your Wealth Grow!​

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