How quickly can these investment loans be funded?

Because specialized investment lenders do not have the same regulatory hurdles as traditional consumer banks, funding is significantly faster. While a traditional bank might take 45–60 days, real estate investment loans—especially Bridge Loans—can often be closed in as little as 7 to 14 days, providing the speed necessary to compete in a tight real estate market.

What are the current interest rates for real estate investment loans?

Interest rates for investment loans generally run 0.50% to 1.00% higher than traditional owner-occupied mortgage rates. As of late 2023 and 2024, rates have been volatile due to Federal Reserve policy. Encore Finance offers competitive pricing across their product line, including Rental Loans and Bridge Loans, tailored to the specific risk profile of the property and the investor's experience level rather than just standard consumer credit scores.

What is the minimum credit score required for an Encore Finance loan?

While Encore Finance is an asset-based lender, they do require a baseline level of creditworthiness. Borrowers and guarantors typically need a minimum credit score of 660 to qualify. This ensures that while the property is the star of the deal, the investor has a reliable history of managing financial obligations.

What are the red flags I should look for in an investment loan?

Investors should be wary of rigid amortization that does not offer interest-only periods (which can hurt monthly cash flow during renovations), vague exit clauses in bridge loans (including hidden penalties or ambiguous terms that prevent refinancing once the property is stabilized), and bait-and-switch rates where initial terms change significantly during underwriting.

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Real Estate Business

Encore provides fast, reliable lending solutions to real estate investors across the United States.

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Real Estate Investment Loans & investment property loans - 33020 - Encore Finance Group

Who we are

A Lending Partner
You Can Count On

When you work with Encore, you’re working with a lender that understands your real estate investments. You get more than just a loan – you get financing solutions designed to address your specific needs and help you maximize your opportunities in the market.

At Encore, we are focused not just on your current investment but on being your lifecycle lender for all your projects. We view our borrower and broker relationships as long term partnerships with a focus on growing our businesses together.

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What Kind of Funding
Do You Need?

Rental Loans

Long-term loans to finance your residential investment properties

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Bridge Loans

Short-term loans to finance transitional residential investment properties

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DSCR Loans

Long-term financing based on property cash flow for residential investment properties.

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Build for Rent

Financing for single-family and townhome rental communities

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From our founder

Creating Long-Term Partnerships is Our Focus

As a long-time industry veteran, I understand the needs, challenges and pain points of real estate investors. I also understand how important it is to have a dependable lender that you can count on to deliver the right financing solution time and again. Encore was created to be that valuable long-term partner.