Your write-offs shouldn’t cost you the next property.
Qualify on what the property earns, not on two years of tax returns built to show as little as possible.
For investment property — including your first. Not for a home you’ll live in. The lending partner requires a credit score of 660 or above.
Built for the borrower conventional lenders keep declining.
Underwritten on the property
Business-purpose loans are generally qualified on what the asset does — rents, equity, and the numbers on the deal — rather than on personal tax returns.
All fifty states
Investment-property lending isn't restricted state by state the way primary-residence lending is. Wherever you're buying, we can look at it.
Fewer things to wait on
No two-year tax-return review and no employment-verification chain, because the file isn't built on your personal income. Fewer moving parts is what makes these move faster than a conventional loan.
What happens next
- 01
Answer nine quick questions
About forty-five seconds. No documents, and nothing here touches your credit.
- 02
One lender calls you, once
A licensed specialist from a single lending partner calls the number you gave us. Your details are never sold to a list.
- 03
You talk to a licensed broker
If it's a fit, we connect you straight through. If it isn't, you'll find that out just as fast.
Certified Intent doesn’t make lending decisions and doesn’t promise approval. What we do is get you in front of someone licensed to give you a straight answer, quickly.