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Investment Financing for Real Estate
and Mortgages for Homebuyers

Welcome to our Residential and Commercial Mortgage Solutions page, where we offer a wide range of financing options tailored to meet your unique needs. Whether you’re looking to purchase your dream home, invest in a rental property, or expand your commercial real estate portfolio, we provide flexible and competitive mortgage products designed to help you achieve your financial goals. Our expert team is committed to guiding you through every step of the process, ensuring a smooth and efficient experience. Explore our diverse loan options and discover how we can support your journey in residential and commercial real estate.

Grey House

Fix and Flip

Loans to purchase, restore, and renovate residential properties.

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Rates starting at 9.99%

Construction Site

Ground Up

New construction financing for real estate developers. 

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Rates starting at 9.99%

Apartment Complex

Multifamily Bridge

Bridge loans for multifamily and mixed-use real estate. 

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Rates starting at 9.99%

Residential Neighborhood

Rental Portfolios

Long-term capital to restore rental properties. 

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Rates starting at 6.99%

Luxurious House

Single Family Rental 

Long-term capital to purchase or refinance single family properties. 

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Rates Starting at 5.96%

Building

Multifamily Term

Long-term loans for multifamily and mixed-use rental properties.

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Rates starting at 6.99%

Porto Historical Houses

Stabilized Bridge

For borrowers who don't want to be locked into a long-term loan and no renovation is needed. 

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Rates starting at 9.99%

Real Estate Contract With Pen And Calcul

0% Down Fix and Flip

100% funding up to 70% ARV. 

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Rates starting at 12.9%

Tropical Vacation Home_edited.jpg

Air BnB Vacation Rental

LTV of up to 70%.

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Rates starting at 7%

Outdoor Mall

Commercial DSCR

A Long-term DSCR program for commercial Property.

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Rates starting at 11.24%

Construction Site Wood Cutting

Commercial Rehab

Rehab loan for multifamily or mixed use (majority residential) developments up to 100 units and $5MM.

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Rates starting at 12.74%

Housing Development

Inexperienced Builders and Flippers

For inexperienced builders with no ground-up construction or house  flipping experience. ​

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Rates starting at 11.99%

Industrial Factory

Pure Commercial Bridge

Bridge loans up to $25MM for industrial, warehouse, self-storage, retail, new construction, hotels, motels, hospitality, and restaurants. Max 70% LTV. Min 620 FICO. 

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Rates starting at 12.49%

Land Acquisition

Vacant Land

Land from $350k to $25MM. Up to 65% LTV. ​

 

Rates starting at 11.99%

Passing Credit Card

Gap Funding

$50k - $250k in credit. 0% interest for 9-24 months. 

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$3,000 up front fee

Modern Houses

FHA Loans

FHA loans are designed for low-to-moderate-income borrowers; they require a lower minimum down payment and lower credit scores than many conventional loans.

Suburb Houses

Conventional Loans

A conventional mortgage or conventional loan is a home buyer’s loan that is not offered or secured by a government entity.

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It is available through or guaranteed by a private lender or the two government-sponsored enterprises—Fannie Mae and Freddie Mac.

Family Portrait

VA Loans

The Veterans Benefits Administration (VBA) provides federal guarantees of home loans for qualified applicants. To be eligible for a VA-guaranteed home loan, veterans must have served on active duty in the Army, Navy, Air Force, Coast Guard, or Marines.

Brick house

Non-QM Loans

 A Non-Qualifed Mortgage (non-QM), is a home loan designed to help homebuyers who can’t meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or don’t have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.

About

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At InHabitSF, our 25+ years of combined experience drives our commitment to excellence in real estate investment and mortgage lending nationwide. From modest investments to large-scale projects, fix and flips with 0% down to ground up construction, our seasoned team delivers unparalleled expertise and versatile solutions tailored to your unique needs. We’re dedicated to simplifying and elevating the real estate experience, offering a comprehensive range of loan products designed to meet diverse financial goals. Partner with us to turn your real estate aspirations into reality with confidence and personalized service.



 

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