Private Lenders for Real Estate Investors Across the USA

InstaLend funds fix and flip, rental, new construction, and multifamily deals-same-day loan commitment, close within days. No income verification. No upfront fees. Just the capital to do the next deal.

APPLY FOR LOAN GET PRE-APPROVAL

Same Day

Loan Commitment

7-14

Day Close

States

Upfront Fees

No Income Verification

Asset-based lending-the property qualifies, not your pay stub

Same-Day Commitment

Loan decision the same day you submit. Close in 7-14 days.

No Upfront Fees

Zero application fees to begin processing your loan

No Prepayment Penalties

Pay off early without fees - on fix & flip and construction loans

Shows Up at Closing

Reliable capital partner-we show up every time, no last-minute surprises

46 States Nationwide

Invest where returns are strongest-not where your bank happens to lend

Fix and Flip Loans

Up to 90% of purchase price + 100% of rehab costs. No income verification. Close in 10-14 days. Built for experienced and first-time flippers.

Explore Now →

Loan Amount

$50K+

Purchase LTV

Up to 90%

Rehab

100% covered

Min. FICO

660

Single Family Rental Loans

DSCR-based 30-year financing for buy-and-hold investors. No income verification. Qualify on property rental income. Up to 80% LTV. Close in an LLC.

Explore Now →

Loan Amount

$75K+

Purchase LTV

Up to 80%

Rehab

6.5%+

Min. FICO

660

New Construction Loans

Ground-up financing for builders and investors. Draw-schedule funding released as milestones are hit. No income verification. Pre-approval in 24-48 hours.

Explore Now →

Loan Amount

$50K+

Purchase LTV

Draw schedule

Rehab

24-48 hrs

Min. FICO

GC or prior

Multi Family Bridge Loans

Short-term financing for distressed or value-add apartment buildings (5+ units). Acquire, renovate, and reposition-close in 7-14 days, interest-only, no income verification.

Explore Now →

Loan Amount

$500K+

Purchase LTV

Up to 80%

Rehab

Interest-only

Min. FICO

660

Multi Family Term Loans

Long-term financing for stabilised apartment buildings (5+ units). Qualify on the property's Net Operating Income - no personal W-2s or tax returns required. Covers acquisition, refinance, and cash-out.

Explore Now →

Loan Amount

$500K+

Purchase LTV

NOI-based

Rehab

None

Min. FICO

660

Submit your deal details

Tell us about the property, loan amount, and your strategy. Takes under 10 minutes. No income documents at this stage.

Get a same-day loan commitment

InstaLend evaluates the asset - purchase price, ARV or NOI, loan-to-value. Decision the same day you submit. No W-2s. No tax returns.

Appraisal and underwriting

Order the appraisal. InstaLend completes underwriting. Minimal paperwork - the property's value is the primary qualifier.

AI-Generated Summary

Based on 247 Google reviews

Instalend team is highly responsive and professional, ensuring smooth transactions.

Clients value the educational support provided throughout the lending process.

The technology used by Instalend simplifies paperwork and accelerates funding for projects.

Engelbert Rosario

2 months ago

Shah Delivered on all his promises. I recommend him 1000%. He will be financing everything that I do from now on.

The Gardenia Homes

2 months ago

We had a great experience working with InstaLend. We recently closed on refinancing two properties, and the entire process was smooth and seamless from start to finish. Communication was excellent; very responsive, clear, and always available when we had questions. It really felt like they genuinely care about their clients and want the best outcomes for them. They have a great team behind them, and it shows in how efficiently everything was handled. The process moved quickly, and they did a great job keeping everything on track. Any challenges that came up were handled proactively and professionally, which made the experience stress-free for us. On top of that, they were able to secure great terms and rates, which made a big difference. We’re very happy with the experience and will definitely be working with them again in the future.

Bobby Patel

2 months ago

I had a great experience working with Saurabh Shah. He was very responsive, knowledgeable, and guided me through the entire process. He made sure everything stayed on track and helped me successfully close on my home. I really appreciate his support and would definitely recommend him.

Ravi G

3 months ago

Saurabh / Instalend is amazing , super easy & fast to work with during the loan process. Just closed a deal with a breeze Highly recommend and also I will come back with next deal ! Thanks Saurabh

Robins Egg Blue LLC

3 months ago

For my first fix and flip project, I was comparing many lenders. When I found Instalend, they immediately stood out to me as a top quality lender. As a very thorough person, I appreciate the communication style of Saurabh and the Instalend team. The communications with Saurabh has always been very patient, knowledgeable, detailed, and friendly. I won’t hesitate to continue working with Instalend for my future projects.

Before

After

Before

After

Before

After

Before

After

Before

After

Before

After

Before

What is a private lender for real estate?

A private real estate lender provides investment property loans outside of traditional banks and government-backed programs. Private lenders use asset-based underwriting - evaluating the property's value rather than the borrower's personal income - enabling faster approvals, fewer documentation requirements, and financing for property types that banks won't touch.

Does InstaLend require income verification?

No. All InstaLend loans are asset-based - approval is based on the property's value and income potential, not the borrower's personal W-2s, tax returns, or employment history. This makes InstaLend accessible to self-employed investors, business owners, and anyone with a complex income structure.

How fast does InstaLend close loans?

InstaLend provides same-day loan commitments and typically closes within 7 to 14 business days of receiving the appraisal report. This is significantly faster than conventional banks, which take 30-60 days - a meaningful advantage in competitive real estate markets.

What types of investment property loans does InstaLend offer?

InstaLend offers five loan products: Fix and Flip Loans (up to 90% purchase + 100% rehab), Single Family Rental Loans (30-year DSCR-based), New Construction Loans (ground-up, draw-schedule), Multifamily Bridge Loans (12-24 month, up to 80% LTC), and Multifamily Term Loans (long-term NOI-based financing for 5+ unit buildings).

Which states does InstaLend lend in?

InstaLend offers real estate investment loans in 46 states across the USA. We do not currently lend in North Dakota, South Dakota, Arizona, California, or Utah. Top markets include New Jersey, Ohio, Michigan, Illinois, New York, North Carolina, Florida, Pennsylvania, Massachusetts, and South Carolina.

Latest News & Blogs

InstaLend 22 July, 2026

Private Lenders for Real Estate Investors Across the USA