We are a lender with an extensive network of relationships and sources. With over 70 years of experience, we find the financing that’s right for you whether you’re buying, selling, building, investing in or financing residential or commercial real estate.

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Our mortgage programs are specifically designed for independent real estate investors and small business owners who often don’t qualify for traditional bank loans, including W-2 employees, self-employed entrepreneurs, and small business owners. Whether you're a seasoned buyer seeking another investment property or a self-employed entrepreneur in need of their first small business real estate loan, we recognize the potential in every borrower.

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We understand that the main reason you are involved in real estate is to make profits. This means having the capital to take advantage of great offers and turn properties into something amazing. Whether you’re involved in large-scale commercial development, fix-and-flip projects with a smaller team, commercial property management or real estate investment, we have commercial real estate financing solutions that are perfect for your business.

Qualify for a property investment loan without using your tax returns. As a real estate investor, you can avoid high rates and high points of private loans, lengthy approval processes, and strict lending criteria with a Debt Service Coverage Ratio loan, which is a type of non-income qualified loan. This means that you can qualify for a loan based on your property’s cash flow, not your income. Securing a Debt Service Coverage Ratio loan can help you expand your investment portfolio easier than ever before.

A Fix & Flip loan is a short-term bridge loan used to purchase property with the intent to sell (or rent) it for a profit after the renovations are complete. Fix & Flip loans require no personal income verification and very little documentation. They offer a great way to start leveraging your existing capital and generate more income with the ability to close & flip more projects at once. Launch Financial Group finances both the acquisition and the renovation costs of the project. Simply bring your initial closing costs and we will fund the rest, including reimbursing you for the renovation costs as the work is completed.

A Bridge loan is traditionally used to finance the acquisition of a property, as well as improvements or renovations for real estate investors or as a short term financing solution for borrowers who can not qualify with a conventional bank. In the case of a real estate investor, after the renovation is complete, the property will be sold or leased up. The loan will then be refinanced with a lower rate & longer term permanent financing. Essentially, these loans "bridge" the gap for the investor until permanent financing becomes available or the property is sold.

Bank statement loans are a type of non-qualified mortgage loan that allows you to qualify based on bank statements instead of tax returns. The lender will require prospective borrowers to provide a certain number of months worth of bank statements in order to prove their ability to repay the loan. This enables self-employed borrowers to access home loans, even if their taxes don’t reflect their full income. Bank statement mortgage programs are often a good option for self-employed individuals, business owners, and retirees who need an alternative income verification option.

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Bank statement loans have taken over the traditional stated income loans as an alternative for borrowers who are unable to verify their income in the traditional way by providing the previous two years tax returns, W2s and pay stubs. These are non-QM loans, nontraditional loans or expanded criteria loans that allow other forms of documentation to prove the ability to repay. Just as it sounds, a bank statement loan allows the borrower to verify his or her income with bank statements.

An asset-based loan or asset utilization loan uses assets as income. Whether you are a retiree with a small fixed income, a new business or an established company that needs to maintain a high cash flow, the ease and benefits of asset-based loans and mortgages have made them a popular solution for borrowers in recent years. With an asset-based loan agreement, also known as an asset depletion loan, borrowers are granted a loan based on their assets. An asset-based loan or mortgage allows you to utilize the assets you have already invested in to secure the cash you need now.

Asset utilization loans are perfect for retirees, investors, and/or self-employed borrowers that have assets on-hand.