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Mortgage Loan Types

Bridge Loan

A loan pending the arrangement of larger or longer-term financing. It is used to bridge the gap between buying one property but using the equity from another. Typically provided by non-banking entities, these types of loans are usually for a 6 month to 1 year term. The name Bridge Loan has also become synonyms with a Private or Hard Money equity based loan. more...


A construction loan is a short-term loan used specifically to finance the building or reconstruction of a residential or commercial property. Lender guidelines typically are limited to 65% or 70% of the current value And then a portion of the expense, like 80%. Once a lender has determined the amount of the renovation budget, some lenders will charge interest on the whole amount from the beginning, and some will only charge on the draws. more...

Hard Money

A short-term loan from individuals or private companies that a accept a property with equity as collateral. The term Hard Money is often considered synonyms with Private or Bridge Loans. But loans and lenders that are referred to as Hard Money are typically focused on the asset itself, and not the credit worthiness of the borrower or cash position. more...

Line of Credit

A line of credit is a flexible, open-ended loan that allows someone to borrow money as they need it, up to a pre-set borrowing limit. The borrowed money can be used for business or investment purposes.

Long Term Commercial

This type of loan is for any kind of residential property with 5 or more units or commercial property such as an office, retail building, industrial property, church, etc. This loan has a term of typically 5 to 30 years.


This is a long-term loan for investors who own a residential property of from one to four units that is rented out. To obtain this type of loan, the amount of rent received from the unit(s) needs to be equal to or more than the monthly mortgage payment, tax, and insurance (as opposed to qualifying with personal income statements and tax returns on a conventional loan). This loan has a term of typically from 5 to 30 years. more...


Renovating a property to sell or keep, whether you already own the property, or looking to acquire it, there are loans tailor made for this. Lenders typically offer a certain amount of the cost or value of the property, like 80%. And in addition offer to lend a certain percentage of the renovation budget up to 100% of the estimated budget. The total of the loan amount is usually limited to 65% to 70% of the after rehab budget. more...

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