Wholesale Brokerage · Real Estate Investors
We're a wholesale brokerage built specifically for active real estate investors. DSCR rentals, fix-and-flip, bridge, and portfolio refis from a curated panel of investor-focused lenders. We get you a competing offer in 24 hours — even on deals your primary lender already declined.
01 — Loan Products
Four core products covering 95% of investor financing needs. Every loan is shopped across our panel — you see the best terms, not the easiest.
$100,000 – $3,000,000
Long-term rental property financing qualified on the property's cash flow — not your tax returns. Ideal for buy-and-hold, BRRRR, and portfolio scaling.
$100,000 – $2,500,000
Short-term purchase + rehab capital with construction draws. Up to 90% LTC on purchase, 100% of rehab. First-timers welcome with strong scope.
$100,000 – $5,000,000
Short-term capital to close fast on a deal, then take out with a DSCR refinance. Perfect for auction purchases, off-market acquisitions, and seasoning gaps.
$500,000 – $5,000,000+
Refinance 5+ properties under a single loan. Cash-out equity to scale, replace seasoned hard money, or simplify servicing across a rental portfolio.
02 — How It Works
You submit your scenario once. We shop it across our lender panel. You compare real offers and pick the one that works.
A 5-minute scenario form: property, purchase or refi, target leverage, exit strategy. Soft credit pull only — no impact on your score.
~5 minutes
Within 24 hours, we route your scenario to the 2–4 lenders most likely to win it on best terms. You get real term sheets — not generic rate quotes.
24 hours
You choose the offer that fits. We coordinate underwriting, appraisal, and closing with the lender. Funded in as few as 10 days for fix-and-flip.
10–30 days
03 — Why Eniji
Most lenders have one credit box. When your deal falls outside it, they pass — and you lose the property. Our value isn't shaving 25 basis points off a clean deal (you can do that yourself). It's closing the deal that a single direct lender can't.
Submit once. We package your file and shop it across our wholesale panel — DSCR specialists, hard money, bridge, and portfolio lenders — to find the credit box that fits your deal.
The edge cases other lenders decline — value-add deals with thin in-place rent, borrowers with credit events, complex entity structures — are exactly where we win. We know which lenders flex on what.
You see broker compensation on the commitment letter and HUD before you close. No teaser rates, no buried fees. We're paid by the lender — not by you.
Every scenario is reviewed by a human who understands DSCR math, ARV mechanics, and BRRRR seasoning rules. If your file needs work to get approved, we'll tell you what to fix before submitting.
04 — Frequently Asked
If your question isn't covered, email hello@enijilending.com.
Non-owner-occupied 1–4 unit residential investment properties — single-family rentals, small multifamily (duplex, triplex, fourplex), short-term rentals (with restrictions by lender), and condos. Portfolio loans bundle 5+ properties. We do not finance owner-occupied homes, manufactured homes (with exceptions), or commercial 5+ unit apartments.
Fix-and-flip and bridge loans can close in 10–14 days when documents are clean. DSCR rental loans typically close in 21–30 days due to appraisal and title timelines. Cash-out refinances add 3 days for the right-of-rescission period. We'll give you a realistic timeline up front, not a marketing promise.
Nothing direct. We're compensated by the wholesale lender at closing — a transparent fee disclosed on your commitment letter and HUD settlement statement. You see the all-in cost of the loan (rate, points, fees) before signing anything.
No — and that's the point. We're a wholesale brokerage. We work with multiple direct lenders (Kiavi, Lima One, RCN Capital, LendingOne, Visio, and others) so your deal gets shopped to the lender most likely to approve it on the best terms — instead of being shoehorned into a single lender's credit box.
No. Several lenders on our panel accept first-time investors for DSCR loans (no flips required). For fix-and-flip, first-timers can qualify with a strong scope of work, contractor in place, and 25%+ down. We'll match you to a lender that fits your experience profile.
No. Initial qualification uses a soft credit pull only — no score impact. A hard inquiry occurs only when you accept a specific lender's term sheet and move into formal underwriting.
We can broker investor loans on properties in 38+ states. A handful of states (CA, AZ, NV, MN, OR, UT, and others) require state-specific licensing for certain non-QM products — we'll confirm eligibility for your specific deal during scenario review.
Yes — this is one of the most common scenarios we handle. We'll structure a DSCR or portfolio refinance to take out your bridge or hard money loan, often with cash-out for your next acquisition. Seasoning requirements vary (some lenders allow delayed financing immediately).
05 — Get a Quote
Five fields. Soft credit pull only. A funding specialist will call within one business day with a real assessment — including which products and lenders fit, and what the realistic terms will look like.
