AGS Lending Partners is a business purpose loan brokerage connecting real estate investors with flexible financing solutions. Close in as little as 7–10 business days. Serving investors in 40+ states nationwide.
Our streamlined process means real estate investors get funded fast — no bank delays or endless paperwork.
DSCR rental loans from 6.75%. Fix & flip loans from 9.99%. No income verification required on many programs.
We specialize exclusively in business purpose loans for real estate investors — not owner-occupied mortgages.
Finance up to 90% of total project costs on fix & flip and construction loans. Maximize your leverage.
Business purpose financing solutions for every stage of your real estate investment strategy
Short-term financing to purchase, renovate, and resell investment properties. We offer two programs — including 100% financing where we cover the full purchase price and rehab costs. You bring closing costs only.
DSCR (Debt Service Coverage Ratio) loans are the top choice for real estate investors building a rental portfolio. Qualification is based on the property's rental income — not your personal W-2 or tax returns. Ideal for landlords, buy-and-hold investors, and anyone with complex income.
No Credit Score • No DSCR Ratio • Low Doc • Up to 40-Year Terms
Our most flexible rental financing program — qualify based solely on the asset with no credit score pull, no income verification, and no DSCR requirement. Available up to 50% of the property's value, up to 40-year terms. Ideal for self-employed investors, foreign nationals, and portfolio builders who want speed and privacy.
These programs are quoted individually based on your deal. Call or apply below for personalized terms.
Bridge loans provide short-term capital to help real estate investors move quickly on opportunities — before a property sale closes, before refinancing is complete, or while waiting on long-term financing. Don't lose a deal because funding is slow.
Finance new construction projects from the ground up. Our construction loans are designed for real estate developers and builders who need capital for spec homes, investment builds, and development projects. Virtual draws available — no inspector required on every draw.
Estimate your loan amount and monthly payments across all our investor loan programs
AGS Lending Partners provides business purpose real estate loans in 40+ states nationwide — from major metros to emerging markets
We lend in 40+ states nationwide. Don't see your market? Contact us — chances are we can fund your deal.
Our simple, streamlined process gets real estate investors funded in as little as 7–10 business days
Complete our quick online application with your personal and property details. Takes less than 5 minutes.
Provide proof of assets, property information, and your exit strategy. No tax returns required on most programs.
We evaluate the property's value and potential — not just your personal financials. Asset-based underwriting.
Receive your approval and terms. We work fast so you never lose a deal due to slow financing.
Close your loan and get your investment property funded. Start your project and grow your portfolio.
Real success stories from investors who used our fix & flip, DSCR, bridge, and construction loans
We are a business purpose loan brokerage — we work for you, not the bank
As a brokerage, we shop your loan across our network of private lenders to find you the best rates and terms for your specific deal.
Our team has decades of combined experience in real estate investing and lending. We speak your language and understand your strategy.
No income verification on most programs. No tax returns. No W-2s. Qualify based on the property and your exit strategy.
All our loans are for investment properties — not owner-occupied homes. We are fully focused on serving real estate investors.
See why real estate investors choose AGS Lending Partners over banks and other hard money lenders
| AGS Lending Partners | Traditional Bank | Other Hard Money | |
|---|---|---|---|
| Closing Time | 7–10 Business Days | 30–60+ Days | 14–21 Days |
| Income Verification | Not Required | W-2 + Tax Returns | Varies |
| Max Leverage (LTC) | Up to 90% | 65–75% | 70–80% |
| DSCR / Rental Loans | Yes — from 6.75% | Limited | Rarely |
| LLC / Entity Vesting | Accepted | Rarely | Sometimes |
| Lender Access | Multiple Lenders | Single Bank | Single Lender |
| Prepayment Penalties | None on Most Programs | Often Yes | Often Yes |
Answers to the questions real estate investors ask us most
We offer four core investment loan programs: Fix & Flip (short-term, up to 90% LTC), DSCR Rental (long-term, qualify on rent — no W-2), Bridge Loans (fast short-term capital), and Ground-Up Construction (up to 90% LTC). All loans are business purpose only — not for owner-occupied properties.
Most loans close in 7–10 business days from the time we receive a complete file. Speed depends on how quickly you submit documents and the title company's timeline. We work urgently on every deal so you never lose an opportunity to slow funding.
No. Most of our programs require no income verification. DSCR loans qualify based on the property's rental income. Fix & flip and bridge loans are asset-based — we underwrite the deal, not your personal finances. This is ideal for self-employed investors, business owners, and anyone with complex income.
DSCR stands for Debt Service Coverage Ratio. It measures whether a property's rental income covers its mortgage payment. If the rent equals or exceeds the payment (DSCR ≥ 1.0), you can typically qualify. No W-2s, no tax returns, no personal income needed — perfect for building a rental portfolio at scale.
Yes. We accept LLC and entity vesting on all loan programs. In fact, we encourage it for asset protection. Most banks won't lend to LLCs — but that's not an issue with us.
We lend in 40+ states across the country, serving most major real estate investment markets nationwide. Call us at (888) 433-1945 to confirm availability in your specific city or market.
Loan amounts: Fix & Flip $50K–$5M | DSCR Rental $100K–$5M | Construction $150K–$10M. Credit requirements vary by program — contact us and we'll find the right fit for your profile.
Yes. Our 100% Fix & Flip program covers 100% of the purchase price and 100% of the rehab costs — you only bring closing costs. The loan is capped at 70% of the After-Repair Value (ARV), so the deal needs to have enough equity built in. This program is designed for investors who have found a great deal but want to preserve their own capital for multiple projects simultaneously.
Real Example: Property valued at $206K, purchased at $103K. Max loan = $144,200 (70% of ARV). We finance the $103K purchase + up to $41,200 in rehab — investor brings closing costs only. Credit score of 560? Not a problem — we qualify on the deal, not the borrower.
Apply now and get a quote from AGS Lending Partners — fast closings, flexible terms, real estate investor loans
Tell us about your deal and we'll match you with the right loan program. Our team responds within 24 hours.
Call or Text: (888) 433-1945
Email: info@agslending.com
Address: 9896 Bissonnet Street, Suite 131, Houston, TX 77036
