Capital partners who've originated over $5B in loans
About Us
Wall Street-level financing with a Main Street mindset
With over 10 years of experience and $100M+ in loans funded, Alpha Realty Loans connects real estate investors with top institutional and private lenders. We offer streamlined financing for investment and commercial properties—no tax returns or personal income docs required.
Qualify on rental income, not personal income
No tax returns or personal income documentation
Backed by partners who've originated over $5B in loans
Investment and commercial properties nationwide
$100M+
Funded to date
Loan Programs
Three programs, built around how investors actually buy
01
Rental Loans
Designed specifically for real estate investors looking for long-term, stable financing without the burden of balloon payments. With flexible terms and fixed interest rates, these loans are ideal for acquiring or refinancing income-generating properties such as single-family rentals, multi-family units, mixed-use buildings, and more.
Short-term financing tailored for real estate investors aiming to purchase, renovate, and sell properties for a profit. With loan amounts from $75K to $5M and up to 90% of the purchase price covered, plus 100% of rehab costs, these loans provide the capital to move quickly and maximize returns.
Property Type
1-4 Investment
Minimum FICO
650+ (lower FICO considered with lower LTV)
Loan Amounts
$75K – $5M
LTV
Up to 90% of purchase price
Rehab Budget
100% of rehab cost
Loan Terms
12, 18 & 24 month interest only
03
Bridge Loans
The solution for investors needing quick, short-term financing without the hassle of prepayment penalties. Whether you're purchasing a new investment property, refinancing to access equity, or waiting for long-term financing to close, our bridge loans provide the flexibility to act fast.
Property Type
1-4 Investment
Minimum FICO
650+ (lower FICO considered with lower LTV)
Loan Amounts
$75K – $5M
LTV
Up to 75%
Loan Purpose
Purchase, Refinance
Loan Terms
12, 18 & 24 month interest only
Why Alpha
Why investors choose Alpha Realty Loans
Deal-based underwriting
Smart, asset-based lending. The property and its rental income carry the file—not tax returns or W-2s.
Quick closings
Files that are ready can close in as little as 3–5 business days, so you don't lose a deal to timing.
Institutional capital
$100M+ funded and capital partners with $5B in originations behind every term sheet we issue.
Tailored structures
Rental, fix & flip, and bridge programs shaped to your exit strategy instead of a fixed box.
The Process
Get a loan for your real estate investment now
01
Start Online
Fill out our form and answer a few questions.
02
Get Pre-Approved
We'll gather basic information about your investment and provide a financing offer.
03
Get Funded
We complete the underwriting process and fund your loan so you can capitalize on your investment.
Investor Feedback
Deals closed, in their words
"As a first-time investor, I was nervous about financing. Alpha Realty Loans walked me through every step and helped me close on my first rental with no tax returns. I'm already working on my next deal with them."
James L.Charlotte, NC
"Alpha funded my 5-unit portfolio refinance when banks wouldn't touch it. Their DSCR program saved me thousands and let me pull out equity for my next project."
Samantha G.Miami, FL
"Fast, no-nonsense, and professional. I used Alpha for a bridge loan to buy and reposition a mixed-use building—closed in 12 days without the usual red tape."
Michael B.Newark, NJ
"I've worked with several lenders, but Alpha made my fix & flip project feel effortless. Rehab funds were released quickly, and I was never left guessing."
Melanie P.Atlanta, GA
FAQ
Frequently asked questions
General
Rental Loans
Fix & Flip
Bridge Loans
Ready to fund your next deal?
Answer a few questions and we'll come back with a financing offer.
