Easy Application Process
FLOS FINANCIAL - FOR INVESTORS BY INVESTORS
We fund real estate investors with fast, creative loans—from flips to stabilized rentals to new builds. Work with an experienced crew that structures deals to fit your plan, not the other way around. Get Ready To Grow!
FLOS Financial Loan Programs
FIX and FLIP loans
- Quick-close capability (As low as 3-days)
- 12 months of interest-only payments
- Cover up to 90% to buy, and 100% to renovate
BRIDGE Loans
- Short-term capital / replace existing loans
- Finance up to 75% of (ARV)
- Made for transitional and turnarounds
DSCR loans
- No income docs or tax returns
- Qualify based on rental Income
- Up to 85% LTV. 30-year fixed
Easy approval
We make investment funding simple.
Whether you’re renovating to resell, holding a rental for steady income, or starting a build from scratch, our experienced team matches you with the right loan—quickly and confidently.
LET US HELP GROW YOUR INVESTMENTS
Connect with a FLOS Financial lending pro and start your next deal today
Have a few questions about our service...
Contact Us with any questions you don't see on this list and we will get you the answer you need!
Frequently asked questions
Quick example: You have $200k equity in your current home. A bridge loan taps part of that for the down payment on a $400k purchase today, you list and sell your old home next month, then pay off the bridge or refinance into a long-term loan. Best used when you have solid equity and a clear exit plan (sale or refi) within a few months.
What are the biggest benefits of a DSCR loan for investors?
Quick example: Purchase a rental where monthly rent is $2,250 and total monthly PITIA is $1,800. DSCR = 2,250 ÷ 1,800 = 1.25 → Typically viewed as strong coverage, making approval more likely—without digging into your personal tax returns. Best fit when the property’s DSCR is at or above ~1.10–1.25 and you have a clear plan to manage reserves and any prepayment penalties (terms vary by lender).
What are the biggest benefits of a Fix & Flip loan?
Quick example: Buy at $200,000 and budget $50,000 for rehab → total $250,000. If ARV is $320,000, your gross spread ≈ $70,000 before interest, fees, and closing costs—financed in a single, short-term, interest-only loan. Best when you have solid comps supporting ARV, a clear scope/timeline, and a defined exit (sale or refi). Specific rates, points, LTC/LTV, draws, and reserve requirements vary by lender.