Our Mission
4Homes is a national investor-lending desk. We arrange financing for people who buy real estate to build wealth — landlords, flippers, BRRRR operators, self-employed owners, and portfolio investors — not owner-occupant homebuyers. That focus shapes everything: the programs we lead with, the questions we ask, and the way we underwrite are all built for investors first.
Investor and non-QM programs lend across state lines, and so do we. An investor in one state financing rentals in another isn't an exception here — it's a routine deal. That national footprint lets us support multi-market portfolios and out-of-state acquisitions that geographically restricted consumer lenders turn away.
50,000+
Investors Served
$2.5B+
in Loans Facilitated
100+
Lending Partners
50
States Covered
How We Think About a Deal
Does the Cash Flow Cover the Debt?
We underwrite the way investors do — starting with whether the property's cash flow covers its debt service.
What's the ARV and the Exit?
For rehab and short-term deals, we look at after-repair value and whether the exit is realistic.
What Structure Protects the Return?
We match the program — DSCR, bridge, hard money, or non-QM — to the strategy, and let you repeat it on the next property.
We'd Rather Tell You It Doesn't Pencil
We'd rather tell you a deal doesn't pencil than push a structure that doesn't fit. That's the difference between a lead form and a lending desk.
What We Do
We specialize in the financing conventional consumer lenders handle poorly or not at all.
Who We Work With
- First-rental investors house-hacking a 2–4 unit property
- Self-employed and 1099 investors with strong finances and complex returns
- Buy-and-hold landlords scaling past conventional property-count caps
- Flippers and rehabbers who need speed and ARV-based underwriting
- Portfolio owners consolidating or refinancing across multiple markets