Investment & Commercial Financing

Every Investment Starts With a Plan.

Investment and commercial real estate financing solutions through Plan A Realty Corp.

From your first rental property to your next commercial acquisition, Plan A Realty Corp. helps investors and business owners explore financing solutions designed around their real estate goals.

Through our established lending relationships, we help qualified borrowers identify business-purpose financing options for rental properties, multifamily investments, mixed-use buildings, and commercial real estate.

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Business-purpose financing

Line drawing of a rental home, an apartment building, a mixed-use building with storefronts and an office building

Financing Programs

Choose the type of financing that fits your property. Each program has its own page with the details.

  • DSCR Rental Property Loans

    Finance eligible residential rental properties using rental income rather than traditional personal income documentation.

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  • Multifamily Investment Loans

    Explore financing for apartment buildings and qualifying residential investment properties containing five or more units.

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  • Mixed-Use Property Loans

    Financing solutions for qualifying buildings combining residential apartments and commercial spaces.

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  • Commercial Real Estate Loans

    Explore financing for qualifying retail, office, warehouse, industrial, and other eligible commercial real estate properties.

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  • Short-Term Rental Loans

    Explore financing for qualifying vacation rentals and other short-term rental investment properties.

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  • Real Estate Bridge Loans

    Short-term business-purpose financing for investors acquiring, renovating, repositioning, or refinancing eligible investment properties.

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  • Foreign National Investment Loans

    Financing options for eligible international investors purchasing or refinancing U.S. investment real estate.

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  • Investment Cash-Out Refinance

    Explore financing options to access available equity in qualifying rental, multifamily, and commercial properties for eligible business purposes.

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Additional Investment Financing Solutions

  • ITIN Investment Loans

    Financing options for eligible investment-property borrowers using an Individual Taxpayer Identification Number.

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  • Small Multifamily: Up to 10 Units

    Financing for qualifying residential investment buildings with up to 10 units.

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How Financing Works

  1. Step 1

    Explore Your Options

    Review available investment and commercial financing programs.

  2. Step 2

    Tell Us About Your Property

    Provide basic information about your investment and financing objectives.

  3. Step 3

    Review Financing Solutions

    Our team evaluates potential financing options through established lending relationships.

  4. Step 4

    Move Forward

    If a suitable program is identified, we explain the documentation and application process.

Loan Program Finder and DSCR Calculator

Two quick tools to help you prepare. They give general information only, not a loan approval or a lender quote.

Loan Program Finder

Answer a few questions to see which types of financing may fit. This is general information, not an approval or a decision about your loan.

Rental property or commercial property?
Your investing experience
Anything else that applies? (optional)

DSCR Calculator

See how a property's rent compares with its monthly payment. The results are illustrative estimates, not a lender quote.

Enter the rent, loan amount, rate and term to see the estimate.

DSCR = Qualifying Monthly Rental Income ÷ Monthly PITIA

PITIA is the monthly principal, interest, property taxes, insurance and association (HOA) dues. With an interest-only payment, lenders use the interest-only amount instead of principal and interest.

Illustrative estimate only, not a lender quote or a loan approval. The rate you enter is an example, not an offer. Lenders set their own rules for qualifying rent, payments and ratios. A ratio of 1.00 means the rent exactly covers the payment.

Why Choose Plan A Realty Corp.?

Your Investment. Our Experience. One Plan.

  • Multiple investment and commercial lending relationships
  • Real estate and investment property experience
  • Personalized financing guidance
  • Purchase and refinance solutions
  • Assistance in English and Spanish

Frequently Asked Questions

What is business-purpose financing?

It is financing for buying, refinancing or improving property you hold as an investment, not a home you or your family live in. Loans used mainly for personal, family or household purposes are consumer loans and are not part of this financing center.

Can I use these programs for a home I will live in?

No. Every program in this financing center is for investment and commercial property. Lenders ask how the property will be occupied, and borrowers usually sign a statement at closing confirming the loan is for business purposes.

Does sending an inquiry mean I am approved?

No. An inquiry is a first conversation. It does not constitute loan approval or a commitment to lend. Every loan depends on the lender's review of the property, the borrower and the transaction.

What does the inquiry form ask for?

Your contact details, basic facts about the property and the financing you need, and any comments. It never asks for a Social Security number, tax returns, bank statements or credit reports.

Can my LLC or corporation be the borrower?

Many investor programs allow ownership through an LLC or corporation. When an entity borrows, its owners are usually asked to sign a personal guarantee.

Why are there no rates on this site?

Programs, terms and availability change, and every loan depends on the property, the borrower and the transaction. Our team reviews your situation and discusses the options with you.

Is there a charge for paying a loan off early?

Many investor loans include a prepayment charge if the loan is paid off during an early period. Rules vary by program and by state, so ask before you choose a loan.

Can you help me in Spanish?

Yes. Our team assists in English and Spanish.

Ready to talk about your next investment?

Tell us about your property and what you need. Our team will review your inquiry and contact you to discuss available options.

Request Financing Call 516-777-0385

Financing disclosure

Plan A Realty Corp. facilitates business-purpose investment and commercial real estate financing. All programs are subject to lender availability, underwriting requirements, borrower and property eligibility, and applicable laws. Submission of an inquiry does not constitute loan approval or a commitment to lend.

Investment and business-purpose properties only. Homes you or your family will live in are not part of this financing center.

Contact Plan A Realty Corp.