Loans for Residential-Investment Properties

Direct Lender, No Credit Score Required

Gelt Financial assists with all types of situations (foreclosure, bankruptcy, etc.)

  • Closing Time: 3-7 Days
  • Loan Sizes: $50,000 to $2,000,000

  • Minimum Property Value: $250,000

  • Terms: 6 months to 5 years

  • Leverage: Up to 75% LTV in specific markets

  • We Can Be Flexible: Customize Terms to Meet Borrowers Needs

  • Purposes: Purchase, Refinance, & Renovations

  • Lending Areas: Nationwide (except AK, AZ, CA, HI, ID, MN, ND, NV, OR, SD, UT, VT)

  • Common Sense Underwriting: Deal With Decision Makers

modern house with for rent sign

When your bank says No, we say Yes!™

Direct Lender for Investment Properties

Gelt Financial LLC is a nationwide private non-bank commercial and investment real estate lender. We offer collateral-based investment property mortgages, no appraisal, no minimum credit scores, no personal income verification programs, Foreclosure Bailout loans, Fast Approvals, and closings.

Jack Miller and Marcy talk about providing mortgages on Single Family Investment Properties, Non-QM Alternative

Gelt Financial reviews
Gelt-Trust-Seals
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five stars

“Words can not convey the excellent service and attention that I received from Gelt Financial, LLC. From Michael, the person that originated my loan to Marcy that helped close it, they all went above and beyond to help me secure my loan. Even the owners got involved in the process to help me make this loan. Everyone on the staff is a pleasure to talk to, and they will do all that is needed to be done to help you []”

Alexander M.

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five stars

“I had a client who was in a tough situation. Something happened to this wonderful woman that created the situation. Gelt was very understanding of her circumstances and was very willing to work within her perimeter. They treated everyone with the utmost respect. I would recommend anyone in a bind try them. Thanks Gelt”

Pattie R.

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five stars

“Gelt Financial was a big help with financing for our properties. The process is streamlined, great cutomer service and everyone worked diligently to get the company applying taken care of! I would definitely recommend Gelt. When you do utilize them ask for Noah and especially Marcy! Marcy is 100% on it to get the job done, communicates throughout the whole process and pushes everything past the finish line!”

Michael – Sample Realty Group

How do investment loans work through Gelt Financial?

At Gelt Financial, we specialize in providing streamlined and flexible investment loans tailored to real estate investors like you.

Whether you’re purchasing, refinancing, or renovating a single-family residence, we offer financial solutions to support your goals — fast and hassle-free.

Why Investors Choose Gelt Financial:

  • Flexible loan options designed for today’s competitive real estate market
  • Fast approvals so you can move quickly on opportunities
  • Support for a variety of needs, including purchases, refinance, and renovations
  • No red tape – we use common-sense underwriting, not rigid formulas
  • Direct access to decision-makers who understand real estate

We believe in cutting through the noise. Our approach focuses on real-world solutions, not paperwork overload.

Let’s simplify your next investment loan. Gelt Financial is here to help you succeed.

Quick Closing Time

We understand that time is of the essence in real estate transactions. That’s why we ensure a swift closing process, completing transactions in 10 business days or less. This quick turnaround allows you to seize investment opportunities without delay.

Versatile Loan Sizes

Our loan sizes range from $50,000 to $2,000,000, accommodating various investment scales. Whether you are looking to finance a smaller project or a significant investment, Gelt Financial can provide the necessary capital to support your endeavors.

Minimum Property Value

To qualify for our loans, the property must have a minimum value of $250,000. This requirement ensures that we focus on high-quality investments with substantial potential returns.

Flexible Terms

We offer loan terms ranging from 6 months to 5 years, providing the flexibility to match the duration of your investment strategy. Additionally, we are open to customizing terms to meet your specific needs, ensuring that your financing aligns perfectly with your investment goals.

High Leverage

We offer leverage of up to 75% loan-to-value (LTV) in specific markets. This high leverage allows you to maximize your investment potential while maintaining manageable equity requirements.

Diverse Loan Purposes

Our investment loans can be used for a variety of purposes, including purchasing new properties, refinancing existing ones, and funding renovations. This versatility makes Gelt Financial an ideal partner for different stages of your investment journey.

Recently closed Residential Investment Properties Loans

Design The Best Mortgage Terms For You

You speak; we listen. Jack discusses how Gelt Financial has reworked commercial mortgage products to allow borrowers to pick the best terms. As an example, you pick the due date, the 1st or the 15th of each month; we are flexible on the documentation and know that each situation is different; we also offer non-recourse lending, as well on some deals, will not do a formal appraisal, You pick the term up to 5 years, fixed or floating your choice, most of all we will accommodate your needs for a closing date and have a Rush program for quick closings. You can decide whether you want to escrow for real estate taxes. These are just some examples of the Gelt difference. Click the play button to watch the entire video!

TYPES OF SERVICES AND LOANS WE OFFER

  • Foreign National Borrowers

  • Non-Recourse Financing

  • Complex Transactions

  • Refinance & Recapitalizations
  • Storied Loans

  • Joint Ventures

  • Foreclosure/DPO

  • Acquisition

  • Rehab and Value Added Deals

  • No Income Verification and Light Documentation

  • No Seasoning Requirements

  • Discount Note Purchasing Financing

  • Note Financing

  • Subordinated Debt

  • Partnership Buyouts

  • Judgement Payoffs

  • Blanket Loans

  • Partnership Programs

  • No Minimum Credit Scores

  • 100% Gift Funds
  • No Look Back on Previous Bankruptcies and Foreclosures

  • Nationwide Lending

Sorry, we don’t lend on land and we are not construction lenders.

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