LEY Capital offers a 1-4 single family rental financing.

We are committed to the provision of personalized financing options that are aimed towards the development of affordable housing. Through our SFR loan solutions, you can start investing in SFRs as they are becoming one of the fastest growing property classes today. With this exceptional loan product, you’re sure to achieve your goals swiftly and surely.

1-4 SFR Loan Products

Depending on your needs, you can choose from the following 1-4 SFR loan products:

Non-Prime O/O Consumer Purpose Non-Prime N/O/O Business Purpose Non-Prime Bridge Fix and Flip
Are you an owner-occupied borrower with a less than ideal credit? You may experience challenges when producing proof of income or closing quickly. This is where we can help. We provide consumers with lower finance rates compared to hard money products. We can even offer financial assistance to borrowers with FICO scores as low as 300!

We offer:

  • 5/25, 7/23 arms and 30-year fixed
  • Rates as low as 4.75%
  • Loan amount up to $50,000 – $5,000,000
  • Lending to individuals and trusts
  • Traditional Alt Doc (12 and 24 months personal or business bank statements)
  • Alternative Doc (VOE only, P&L only) and 1-month personal bank statement
  • LTV’s up to 80%
  • DTI’s up to 55%
  • Foreclosure Bailout – OK
  • Rural Properties – OK
  • Green Card Holder – OK
  • No FICO – OK
  • Sub 500 FICO – OK
  • Lease Option Buyout using current appraised value – OK
  • No liquid cash reserves required up to 90% LTV
  • Foreign Nationals with US Credit – OK
  • 100% Gift Funds – OK
  • Gift of equity-OK
Are you a borrower looking to refinance your condo, 2-4 unit properties, and N/O/O SFR? Through our Non-Prime N/O/O Business Purpose loan, we can provide you with the best rates in the Non-QM industry!

We offer:

  • No Proof of Income Required
  • No Income Verified (for all loans)
  • LTV up to 80%
  • Interest-Only Option Available
  • No DTI Ratios
  • Up to a 2 point rebate
  • Loan amount up to $50,000 – $5,000,000
  • Rates as low as 5.99%
  • No DSCR calculated on residential collateral
  • Lending to Individuals, S-Corp, Trusts, and LLCs
  • Condos, 2-4 Units, and SFRs
  • 100% Gift Funds – OK
  • Foreign Nationals – OK
Are you looking to refinance your 2-4 unit properties, multi-family units, mixed-used units, office units, or N/O/O SFRs? With our Non-Prime Bridge loan product, we can help you with your finance needs! We can offer our loan assistance even to those who have minor to significant deferred maintenance. Our non-prime bridge program is ideal for those who are looking to borrow money for a short period of time until they obtain bank financing.

We offer:

  • No Proof of Income Required
  • No Income Verified (for all loans)
  • Interest-Only Option
  • Loan amount up to $50,000 – $5,000,000
  • Rates as low as 6.99%
  • LTV up to 80%
  • Up to 2 point rebate
  • No DTI Ratios
  • No DSCR calculated on residential properties
  • 2-4 unit properties, multi-family units, mixed-used units, office units, retail units, and N/O/O SFRs
  • Properties with deferred maintenance
  • Rural properties
  • Bridge options available
  • Short- and long-term options
  • No seasoning and source down of payment options
  • Foreign Nationals – OK
  • 100% Gift Funds – OK
Are you wondering how you can finance a house flip? Buying, renovating, and then quickly reselling a house (commonly referred to “fix and flip) can be a very lucrative business. If you’re having trouble finding the right option for this endeavor, look no further! We offer a Fix and Flip loan that can help you purchase a distressed property or refinance an unfinished property without any need for escrow accounts.

We offer:

  • No Proof of Income Required
  • No prepayment penalties
  • Loan amount up to $50,000 – $5,000,000
  • 12-month term available (case-by-case basis)
  • LTVs up to 75%
  • Flipper must show ability to complete the project
  • FICO as low as 500 – OK

Talk to an Expert

Don’t hesitate to fill out that application form today! We’re always happy to answer your questions. Please get in touch with us at 866-990-8640.

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Where We're Located


120 S Olive Ave., Suite 308 West Palm Beach, FL 33401
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