Eniji Lending

Loan products · Built around the deal

Five ways to make the numbers work.

The right product depends on what you’re buying, where the value is today, and what your exit looks like. We’ll help you compare the path—not force your deal into one lender’s box.

01

$100K–$3M

Rental loans

Long-term rental financing qualified on the property’s cash flow—not your tax returns. A natural fit for buy-and-hold, BRRRR, and portfolio scaling.

  • 5/1 & 30-Year Fixed-Rates
  • Up to 80% LTV Purchases & Refinances
  • Up to 75% LTV Cash-Outs
  • Refinances, Cash-Out & Purchases
  • DSCR as low as 0.75
  • 620+ FICO accepted
  • LLC borrower friendly

02

$100K–$2.5M

Fix-and-flip loans

Purchase plus rehab capital with construction draws. Up to 90% of purchase price and 100% of repairs for a well-scoped project.

  • 12-Month Interest Only (no prepayment penalty)
  • Up to 90% of Purchase Price & 100% of Repairs
  • Up to 75% ARV
  • No Interest on Unused Rehab Funds
  • 10–14 day close

03

$100K–$5M

Bridge loan

Short-term capital to win the deal now, then take it out with long-term DSCR financing once the property is stabilized.

  • 6–24 month terms
  • Up to 80% LTV
  • No income docs
  • Same-lender DSCR exit

04

$500K–$5M+

Portfolio refinance

Refinance five or more rentals under one loan. Consolidate servicing, unlock equity, and scale without five separate closings.

  • 5+ properties bundled
  • One closing, one payment
  • Cash-out available
  • Better blended pricing

05

$200K–$2M

New Construction

Ground-up financing for investors building a clear path from land acquisition through completion and sale or refinance.

  • Up to 85% LTC (land and construction)
  • Up to 70% of After-Build Value
  • 12-24 Months, Interest-Only
  • Loan Amounts from $200K to $2M

The Eniji difference

The fit matters more than the logo.

2–4 lender paths

We route your scenario to the lenders whose credit box fits, rather than making you apply one by one.

24-hour response

You receive real term sheets and a realistic timeline, not a generic rate quote.

Human review

Every file is read by someone who understands DSCR, ARV mechanics, and seasoning rules.

No fee to you

Broker compensation is paid by the lender and disclosed before you close.

Not sure where to start?

Send the deal as it exists today.

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