We offer financing solutions for a wide range of property types, including single-family homes, multi-unit residences, condos, townhomes, commercial properties, and more. Whether you’re looking to flip a property or build a long-term rental portfolio, we have loan options to fit your strategy and an AI-driven investment property search engine to help you make informed decisions.

A DSCR loan bases your eligibility on the property’s expected rental income rather than your personal income. This is ideal for investors looking to qualify primarily on the cash flow potential of the property, making it easier to scale a real estate portfolio.

Ziffy is the first All-In-One Investment platform for real estate investors, from finding to funding the property. We specialize in fast approvals, competitive rates, and minimal documentation for investor-focused loans. Our team understands the unique challenges investors face like timing, cash flow, and property-specific requirements and we tailor our programs accordingly.

Timeframes can vary by loan type and property specifics, but our streamlined process often allows investors to close in as little as 15–30 days, helping you capitalize on market opportunities before they’re gone.

No. If you opt for a DSCR (Debt Service Coverage Ratio) loan, using the property’s rental income to qualify, we don’t require traditional income documentation or tax returns. We’ll review your situation and recommend the best loan product based on your qualifications and goals.

It’s simple. You can start by submitting our online form. We’ll schedule a brief consultation to learn more about your real estate investment plans and help you choose the right loan product, analyze your rental income through our AI-driven investment property search engine to maximize your returns.

Absolutely. We offer refinance and cash-out refinance options tailored for investors who want to tap into property equity to expand their portfolio or improve existing properties.