Investor financing, sized in seconds.
Run the numbers, get a quote from a loan specialist, and close in days — not weeks. Built for real-estate investors and business owners.
See if this deal fits
Three core programs, 20+ ways to fund
No tax returns, no W-2s on our core products. We qualify the deal on the property and the equity — and place everything else through partners we trust.
Need something outside our core programs?
Primary-home purchases, FHA, VA, conventional refinances, owner-occupied HELOCs and more — we place those through lending partners we've trusted for 10+ years.
From inquiry to funded in three moves
Have a deal in front of you?
Run it through the offer engine, or send it over and we'll come back with preliminary terms today.
Get pre-qualifiedFinancing built for investors
Three core products qualified on the asset, plus a full menu of investor, commercial, and residential programs placed through our lending partners. Pick the one that fits the deal.
Don't see your scenario?
Primary-home purchases, FHA, VA, conventional refinances and owner-occupied HELOCs — we place those through partners we've trusted for 10+ years.
Tell us your scenarioDSCR loans
Long-term rental financing qualified on the property's cash flow — not your personal income.
Qualify on the property, not your paycheck
A DSCR loan looks at one thing: does the rent cover the payment? If the property's debt-service coverage ratio clears 1.00×, you can qualify — no W-2s, no tax returns, no debt-to-income gymnastics. It's the workhorse loan for investors building a rental portfolio.
What's included
- ✓ 30-year fixed, fully amortizing — predictable payments for the life of the loan
- ✓ 1–4 unit residential investment property, including 2–4 unit multifamily
- ✓ Vest in your own name or an LLC
- ✓ Cash-out and rate/term refinances, plus purchases
Who it's for
Home Equity Line of Credit
Tap home equity for working capital or growth without touching your low first-mortgage rate.
Liquidity without refinancing
A standalone equity line that lets owners pull from their property's value for business use — debt consolidation, working capital, growth, or the next deal — while leaving a low first mortgage untouched. Apply online, prequalify on a soft pull, and fund in as few as five days.
What's included
- ✓ Lines from $25K, terms of 10 / 15 / 20 / 30 years
- ✓ Up to a 3rd-lien position — sits behind your existing mortgages
- ✓ 100% online application with a soft-pull prequalification
- ✓ No out-of-pocket costs — fees roll into the line
- ✓ Redraw as you pay down, with no prepayment penalty
State note
Availability and structure vary by state. In Texas and New York the product is offered on owner-occupied primary residences only, at a fixed rate, with state-specific signing requirements. We'll confirm exactly what's available for your property when you apply.
Commercial
Multifamily, mixed-use, and commercial real estate, sized on net operating income and debt-service coverage.
Sized on the asset's income
Commercial financing for stabilized income property — apartments, mixed-use, retail, office, and more. We size the loan as the lesser of a loan-to-value cap and what the property's NOI supports at your target debt-service coverage, so the number you see is the number that closes.
What's included
- ✓ Loans from $250K and up on stabilized commercial assets
- ✓ 20–30 year amortization options
- ✓ Up to ~75% loan-to-value, subject to DSCR
- ✓ Purchase, refinance, and cash-out structures
- ✓ Entity vesting (LLC, LP, corp) welcome
Asset types
Inquiry to funded in three moves
A pipeline built around automation, so the slow parts of a loan simply aren't there.
Soft-pull pre-qualification
Enter the deal and see preliminary terms in minutes. A soft inquiry — no credit-score impact to start.
Streamlined verification
Rents, taxes, insurance, and assets verified digitally by our lending partners — minimal paperwork, and no income documents on DSCR.
Close in days
Online closing with e-notary where available. Most files fund within roughly five business days.
What you'll need on hand
Most of it can be pulled automatically — here's the short list.
A lender that moves like a tech company
UniFi Mortgage exists to get investors capital quickly, with the friction engineered out of the process.
Built for how investors actually work
Traditional mortgage processes were built for owner-occupied homebuyers — income verification, long underwriting queues, weeks of waiting. Investors and business owners don't operate that way, and their financing shouldn't either.
We focus exclusively on business-purpose lending — DSCR, commercial, and equity lines — and lean on automation so the path from deal to funded is measured in days. You bring the deal; we bring the speed.
Speed as a feature
Soft-pull prequal, automated underwriting, funding in as few as five days.
Asset-first
We qualify the property's income and equity, not your tax returns.
Investor-only
Business-purpose financing is all we do, so the whole shop is tuned for it.
Straight answers
Run the engine and see real parameters — no teaser rates, no surprises at closing.
Let's fund your next deal
Tell us about the property and we'll come back with preliminary terms today.
Get pre-qualifiedStart your file in two minutes
Tell us about the deal. A loan specialist reviews it and follows up with a quote, usually the same business day.
Pre-qualification request
Have a different scenario?
Primary-home purchases, FHA, VA, conventional refinances, owner-occupied HELOCs — if it falls outside our core programs, we place it through lending partners we've worked with for 10+ years. Tell us what you're working on and we'll route you to the right desk.
Tell us your scenario
Questions, answered
Disclosures
Business-purpose lending
UniFi Mortgage LLC offers business-purpose financing only. All loan products are intended for business, commercial, or investment purposes and are not for personal, family, or household use. Borrowers may be required to sign a business-purpose affidavit and, where applicable, a non-owner-occupancy affidavit.
Not an offer or commitment
The calculators, estimates, rates, and program parameters shown on this site are preliminary and for illustration only. They are not an offer, a commitment to lend, or a guarantee of rates, terms, eligibility, or approval. All loans are subject to full underwriting, verification, and final credit approval. Rates and parameters are examples and subject to change without notice.
Licensing
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Equal Housing Opportunity
UniFi Mortgage LLC is committed to the principles of the Equal Credit Opportunity Act and applicable fair-lending laws.