Oak & Iron Lending · Investor-focused lending
Real estate moves fast.
Your financing should too.
Helping Real Estate Investors Get Deals Dunn
Oak & Iron Lending specializes in investor loans designed to close quickly — without the tax return nightmares or bank red tape. Fix & flip, DSCR rentals, and ground-up construction.
100%
LTC available
7–14
Day closings
$5M
Max loan amount
620+
Min credit score
Why Oak & Iron
We built this for investors — not traditional homebuyers.
Most lenders are designed around W-2 borrowers, owner-occupied homes, and 60-day timelines. That doesn't work for real estate investors who move fast, operate through entities, and have income that doesn't show up neatly on a tax return.
Oak & Iron Lending was built specifically for investors. Every loan program, every guideline, and every process is designed around how you actually operate — not how a bank expects you to look on paper.
7–14
Day average closing
100%
Investor-focused loans
$5M
Max loan amount
Oak & Iron advantage
Us vs traditional banks
No tax returns or income docs required
Close in an LLC, corporation, or partnership
First-time investors welcome
Up to 100% loan-to-cost on fix & flip
DSCR loans down to 0.75 coverage ratio
Short-term rental income accepted
Dedicated loan officer from application to close
Oak & Iron
7–14 day close
No income docs
LLC & entity OK
620+ FICO
Traditional bank
45–90 day close
2 years tax returns
Personal only
700+ FICO
01
Speed that matches the market
Investment deals don't wait. Our streamlined underwriting and dedicated investor team means term sheets in 24 hours and closings in as little as 7 days.
02
Programs built around your deal
Fix & flip, DSCR rentals, ground-up construction — each program is designed around how investors actually structure and operate their deals.
03
We look at the deal, not just you
Complex tax situations, multiple properties, first-time investors — we underwrite the asset and the opportunity, not just a credit profile.
See if your deal qualifies in minutes
No commitment. No lengthy application. Just fast answers.
Investor loan programs
The right loan for every deal
Three investor-focused programs designed around how you actually operate — not how a bank expects you to look on paper.
Compare all loan programs side by side
Fix & Flip
Short-term financing for investors who purchase, renovate, and resell.
Rates from 9.49%
View Fix & Flip details
100%
Purchase financing
100%
Rehab financing
$2M
Max loan amount
650+
Min credit score
First-time investors welcome
12 month terms with extension options
No tax returns or income docs required
LLC & entity friendly
Closes in 7–14 business days
DSCR Rental
Long-term financing for buy-and-hold rental investors.
Rates based on DSCR & LTV
View DSCR details
85%
Max LTV
0.75
Min DSCR ratio
$3M
Max loan amount
620+
Min credit score
No tax returns or income docs required
Short-term rentals (Airbnb/VRBO) eligible
30 & 40 year fixed terms available
Interest only available up to 80% LTV
Hold up to 20 financed properties
Ground-Up Construction
New construction financing from lot to certificate of occupancy.
Rates from 9.99%
View construction details
90%
Max LTC
70%
Max ARV
$5M
Max loan amount
660+
Min credit score
Lot + construction in one loan
Interest only on drawn funds
12–24 month terms with extensions
Inspection-based draw releases
No prepayment penalty
Not sure which program fits your deal?
Tell us about your project and we'll match you to the right loan in minutes.
Simple process
From application to funded in days
Our investor-focused process eliminates the red tape so you can move when the deal is right. No income verification. No lengthy back and forth.
1
Submit your deal
Quick application with property and borrower basics. No lengthy paperwork upfront.
~5 minutes
2
Receive term sheet
Detailed terms including rate, leverage, and loan structure sent to you fast.
Within 24 hours
3
Underwriting
Fast appraisal and streamlined underwriting focused on the deal — not your income.
3–10 days
4
Close & fund
Sign at title and receive your funds. Move on your deal before the opportunity is gone.
7–21 days total
1
Submit your deal
Quick application with property and borrower basics. No lengthy paperwork upfront — just the essentials to get started.
Takes about 5 minutes
2
Receive term sheet
We review your deal and send full loan terms — rate, leverage, and loan structure — typically within 24 hours of submission.
Within 24 hours
3
Underwriting
Fast appraisal and streamlined underwriting focused on the deal and the property — not your personal income or tax returns.
3–10 business days
4
Close & get funded
Sign at a local title company and receive your funds. Move on your deal before the opportunity passes you by.
7–21 days total
Typical closing timelines by program
Fix & Flip
7–14 business days
DSCR Rental
14–21 business days
Ground-Up Construction
21–30 business days
What you'll need to get started
Property address and purchase price
Estimated rehab budget (fix & flip)
Current or projected monthly rent (DSCR)
Entity name if closing in an LLC
Basic credit and experience background
Oak & Iron Lending · Get started today
Have a deal in mind?
Let's get it funded.
Get a free quote in minutes. No income docs, no tax returns, no red tape — just fast answers from a team that understands real estate investors.
Term sheets in 24 hours
No tax returns required
LLC & entity friendly
First-time investors welcome
100%
LTC available on fix & flip
7–14
Business day closings
$5M
Maximum loan amount
620+
Minimum credit score