Built for Investors
Who Don't Have Time for Banks.
No W-2s. No committees. No delays. American Financial Lending fix & flip loans close in 7–10 days.
Rental, bridge, and construction loans close as fast as your deal demands with up to 90% financing.
American Financial Lending Loan Programs
American Financial Lending Offers Unmatched Loan Options. Stress-Tested for Success.
Fix & Flip
Fix-and-Flip loans represent a pivotal opportunity for investors looking to maximize their returns.
Portfolio Loans
A DSCR portfolio loan is a type of financing specifically designed for real estate investors.
Bridge Loans
A bridge loan is a short-term financing option used primarily in real estate transactions in the United States.
Ground Up
Ground Up New Construction Loans are specialized financing options designed exclusively for constructing new buildings from the ground up.
Explore Ground-Up Construction LoansDSCR - Rental Loans
A DSCR - Rental Loans is a financial tool designed for real estate investors in the United States who own or are looking to purchase multiple rental properties.
Learn about Rental Property LoansCash Out Refinance
A cash-out refinance replaces an existing mortgage with a new one for a higher amount, allowing the homeowner to receive the difference in cash.
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Saturday : 9 am to 1 pm
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Why Professional Investors Choose Us Over Banks
| Feature | Competitor Traditional Bank |
★ Recommended
Your Lending Partner
American Financial Lending |
|---|---|---|
Closing Speed |
✕ 30–60 Days |
✓10 Days or Less |
Documentation |
✕ Full Tax Returns & W2s |
✓No Tax Returns Required |
Debt-to-Income (DTI) |
✕ Strict DTI Ratios |
✓No DTI — Asset Based |
Leverage (LTC) |
✕ Max 75% LTC |
✓Up to 90% LTC |
Rehab Funding |
✕ Out of Pocket |
✓100% Construction Covered |
Decision Maker |
— Loan Committee |
✓In-House Underwriting |