Optimize Your Investment Portfolio

Investor Refinance

Unlock equity, reduce rates, or restructure your financing with tailored solutions for real estate investors. Our lending experts are here to help you maximize your portfolio’s potential. Fill out the form below to get started.

Hero Circular Text
UP TO
6.375%
RATES FROM*
75% or 80%
LTV
30
DAY CLOSE
30,40yr
I/O OPTION
$50k up to $3M

Step 1: Submit Your Deal

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Investor Refinance

Benefits

Why Choose Our Investor Refinance Loans?

Investor Refinance loans are designed to unlock the full potential of your existing investment properties. Whether you want to access equity, reduce your interest rates, or restructure your financing, our straightforward process ensures fast, flexible options tailored to your goals. Our refinancing solutions provide real estate investors with competitive terms, quick access to funds, and the flexibility needed to grow and optimize their portfolios.

Investor Refinance Calculator

Calculate new loan amount, LTV, and monthly payment for your refinance.

Tailored for Real Estate Investors

Are We a Good Fit?

Our Investor Refinance loans, including hard money and cash-out refinance options, are designed to provide flexible, fast funding for real estate investors looking to optimize their portfolios or access equity. To qualify, you’ll need:

Experience

First Time Investor

Credit Score

Minimum of 680

Liquidity/Reserves

6 months of reserves.

Our Mission Card Icon

Property Type

SFR, Condo, Townhome, 1–4 Units

Additional Requirements

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Get Started

Apply Now

Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

Investor Refinance Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
Investor Refinance
Experience Required:
First Time Investor OK
Minimum Credit Score:
680
Liquidity:
N/A
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
30 Days
Draw Schedule:
N/A
Rate:
6.375%
Loan-to-Value LTV:
75% Cash Out, 80% Rate & Term
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$50k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 4 Units

Your Trusted Partner in Real Estate Refinancing

  • Transparent Process: We make refinancing simple and stress-free, so you can focus on your investments.
  • Quick Turnarounds: Our team ensures fast and reliable closings, typically within 30 days.
  • Customized Solutions: We offer refinancing options tailored to your specific goals, from reducing rates to accessing equity.
  • Dependable Expertise: With years of experience in real estate lending, we’re committed to helping you succeed.

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

Co-Founder

Didio Medeiros

Drawing on more than ten years of hands-on experience in the lending industry, Didio Medeiros has built a reputation for delivering results through creative problem-solving and strategic thinking.
 
Having worked at major corporate banks and top brokerage firms, he developed a deep understanding of both traditional and non-traditional lending practices. Today, as the founder of his own company, Didio continues to apply his expertise to help clients navigate complex loan scenarios—always thinking outside the box to ensure every deal reaches the finish line.
 
Outside of work, Didio is an avid sports enthusiast who enjoys watching games and staying active. He’s passionate about giving back to his community and dedicates time to coaching at a local youth soccer club, helping young athletes grow both on and off the field.

Co-Founder

Rafik Issabeigi

With over 20 years of experience in the mortgage industry, Rafik Issabeigi is the Co-Founder of The Lending Market, where he combines deep industry expertise with a passion for helping clients achieve their homeownership goals. Over the course of his career, he’s built a reputation for integrity, innovation, and delivering exceptional service in an ever-changing lending landscape.
 
When he’s not working to simplify and improve the lending experience, Rafik can be found playing the conga drums, riding dirt bikes or motorcycles, carving down snow-covered slopes, or enjoying live music. His energy and enthusiasm in both business and in life drives everything he does.

Processing

Jazmin Fuentes

With five years of experience in the lending industry, I’ve developed a strong foundation in loan processing—built on precision, organization, and a genuine commitment to helping clients feel confident at every stage of the process.
 
My background began in Public Health at UC San Diego, but along the way, I discovered a passion for business, real estate, and investing. That shift opened the door to a career that continuously challenges me both analytically and creatively, allowing me to merge structure with strategy in everything I do.
 
Outside of work, I love baking bread, watching sunsets with my dogs, and listening to music. Those simple moments help me recharge, stay grounded, and bring balance to my busy professional life.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000
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Position, Company name
"Rafik did multiple refis for me and found me better deals than friends got going to big banks. His professionalism and knowledge of the lending landscape made me feel like I had an inside connection."
Tony
San Jose, CA
"I’ve worked with 4 or 5 mortgage brokers over the years and Rafik was the most responsive and got me the best rates. Will definitely use in the future."
Peter N
Wheat Ridge, CO
"Didio was a great to work with! He helped answer all my questions along the way! I highly recommend working with him and will continue to refer him and The lending market to other."
Arnold T
Livermore , CA
"I just closed the 5th mortgage Loan in my life and I can say hands down this was the easiest!"
Brian R
Castle rock, CO

Our Portfolio

Recently Funded Deals

Rental Refi
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$200,000

SFR Rental Refi

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Chicago, IL

Multifamily Bridge
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$7,800,000

Multifamily Bridge

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Los Angeles, CA

Bridge Refi
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$812,000

SFR Bridge Refi

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Atlanta, GA

Fix & Flips
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$4,500,000

SFR Fix & Flip

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Joshua Tree, CA

A&D Financing
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$3,750,000

A&D Financing

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Austin, TX

SFR Bridge Loan
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$1,550,000

SFR Bridge Loan

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Southampton, NY