Mach1 Capital

Loans for 1–4 unit rental properties.

Streamlined financing for non-owner-occupied single-family and 2–4 unit rentals, whether you're buying your next property, refinancing, or scaling a portfolio. 30-year fixed and ARM options, with a target close of 10–14 days.

Property type
Non-owner-occupied 1–4 unit
Target close
10–14 days
Leverage
Up to 70% LTV
Structure
30-year fixed or ARM
Pre-qualify562.261.3259

What we finance

  • Purchases of single-family and 2–4 unit rentals
  • Rate-and-term refinances
  • Cash-out refinances
  • Portfolio loans for multiple properties

A strong fit for

  • Investors buying or refinancing rentals
  • Landlords consolidating a portfolio
  • Borrowers who want long-term fixed-rate debt

Built for investors, not homeowners

Investment property loans are underwritten differently from a primary-residence mortgage. Lenders look at the property's rent, your experience, and your overall portfolio alongside credit.

Investors who'd rather qualify on rent than on personal income can use a DSCR loan, which we arrange through the same process.

Come prepared, close faster.

To quote your deal

  • Detailed loan request summary
  • Property address
  • Purchase price & as-is value
  • Requested loan amount & term
  • Target LTV & loan exit strategy
  • Credit / FICO score

Supporting documents

  • Personal financial statement (PFS) & REO schedule
  • Sources & uses of funds breakdown
  • Resume of experience
  • Executed purchase agreement
  • Rent roll / copy of lease
  • P&L for 2 years · appraisal (if available)

For final underwriting

  • 1003 application & authorization form
  • Evidence of insurance (EOI)
  • Entity docs · Phase 1 report (if available)
  • Borrower provides purchase contract, escrow & title

Investment property loans (1–4 unit): FAQ.

Can I finance a rental property I live in?
No. These loans are for non-owner-occupied investment property only.
How fast can an investment property loan close?
Our target is 10–14 days from a complete file.
Can I put multiple rentals under one loan?
Yes. Portfolio loans can cover several properties under one umbrella.

Tell us about the deal.

Send the basics and we'll come back within one business day with an indicative structure, target lenders, and a path to closing.

Pre-qualify

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