Loans with LTV
up to 90%*
  • Short term and vacation rentals
  • Long term rental
  • up to 4 units

Areas We Cover

We've worked with thousands of investors to finance their rental properties

Looking to qualify for an investment credit loan without jumping through hoops? That’s easy. Take a look at our products and see how they can work for you.

Second Home Loans

  • Up to 90% LTV
  • Minimum credit score of 620
  • Short term rental income can be used to qualify if shown on previous year’s Schedule E

Investment Loans 

  • Up to 85% LTV
  • Credit score 640

Can’t qualify for a conventional loan? We have options. Property can be titled in an LLC, available for single family, and multifamily up to 4 units.

DSCR Loans

  • No personal income/no employment is needed
  • No DTI required
  • Mortgage borrowers can own an unlimited amount of properties
  • Use only the market rents from the appraisal to qualify for the loan
  • Minimum DSCR 1.00 – No DSCR needed with minimum 700 FICO and max 75% LTV
  • Credit score down to 680
  • LTVs up to 80%
  • Interest-only available

Bank Statement Loan

  • Use 12 or 24 months of business or personal bank statements or 1099’s to qualify income
  • Credit scores down to 680
  • LTVs up to 90%

Primary Residence Loan 

  • Standard income documentation including paystubs, W2, and tax returns
  • Credit scores down to 620
  • LTVs up to 99%



Closing on our 2nd deal with Lloyd. Lloyd is a great guy and extremely knowledgeable. We had a really unique situation with our renovation project, and Lloyd was able to get us through smoothly. Looking for forward on closing many more deals together in the future.
Raj Kumar from Pigeon Forge, TN | worked with Lloyd Moua
The Mortgage Shop was simply fantastic: fast, detail-oriented, helpful, and great to work with. Their expertise in a range of mortgage options, especially for investment properties was invaluable. I highly recommend them!
I specifically worked with Lori Duran and Jen Blake. They are rockstars!
Keegan Schoch from Leechburg, PA | worked with Lori Lyn Duran
Lori is a pleasure to work with! She is a great communicator and walked me through the process of obtaining my first DSCR loan. I‘m looking forward to working with her very soon and would recommend her services to anyone.
David from Bartlett, TN | worked with Lori Lyn Duran
Lloyd was extremely helpful in securing financing for my first short term rental. Our first consultation call lasted 70 minutes because Lloyd wanted to make sure I had all the information I needed to understand the different loan products and make the right financial decision. During the purchase process, Lloyd was able to overcome several obstacles to financing a unique property when other lenders told me “no”. Several times we spoke Lloyd had already discovered and solved a potential roadblock in advance of our conversation. Overall, I’m glad to have Lloyd on my team – he’s the first person I’ll call when I’m thinking about securing financing for future real estate investments.
Alex from Sevierville, TN | worked with Lloyd Moua
Lloyd truly cares for his customers. Makes you feel like an old friend and willing to make sure you have the best deal. As a new investor, he took time out to explain how the rates work and helped me clarify my understanding when i had questions. I truly appreciate him. He still checks in to make sure all is going well even a year later. I will work with him again and strongly recommend his services. Thank you for all you did to make my loan process easy.
Dolapo from Sevierville, TN | worked with Lloyd Moua

Speak to A MLO

Wanting to purchase now and have further questions on your personal mortgage loan?

Featured In


Bloomberg Magazine

Entrepreneurs Herald Top 40 Under 40

Top 100 in Finance Magazine

Luxury Villa

A premier American Mortgage Broker

Don’t let the barriers to mortgage approval hold you back from your dreams. 

The Mortgage Shop, LLC is here to help you find the right mortgage for your short-term, long-term, or vacation investment property, no matter what your financial situation looks like. We’re more than just a broker, we help you build wealth for generations to come.

The Perfect Investment Begins With A Mortgage

The journey into your next property investment should begin with peace of mind. You want to get into the right home at the right time, without worrying about whether you are going to qualify for a mortgage loan. Does the long, drawn-out process of multiple applications with different lenders sound tiring? There is another way.

With so many financial institutions on the market, it’s hard to know where to start looking for your mortgage. Specialized investment mortgage lenders offer loans designed with investors in mind. Now you can access the loan amount you need, with affordable mortgage insurance rates, a minimum down payment, and reasonable lender fees.

Begin your investment as you plan to continue it, and choose a hassle-free, completely supported mortgage experience with brilliant solutions that will take you to the next level.

House in Hands

How Can Specialist Mortgage Broker Help?

The right mortgage brokers will save you time and effort from finding the perfect mortgage by offering you tailored solutions that match your financial situation with your investment goals. Choosing the right broker can help you save precious time and money, and avoid the disappointment of not getting the property you desire.

With so many lenders making it harder to get approved, even financially stable investors are struggling to secure home equity loans or FHA and VA loans for their next investment property. But you don’t have to miss out on your dream real estate investment.

The Mortgage Shop, LLC specializes in investment mortgages, and our products are tailored to suit the goals of real estate investors. Whether you’re looking for short-term and vacation rentals, long-term rentals, or a real estate property investment with up to four units, our team of experts will find the right credit loan solutions for your goals, so you can invest in your next deal hassle free.

Investment Mortgages Need Flexibility

Since the housing bubble burst, eligible investors face an increasing number of barriers to getting approved for a conventional loan. Many lenders are tightening up on conventional mortgage qualification standards by introducing stricter income-verification methods, increasing mortgage rates, and requiring a higher down payment.

With more stringent borrowing guidelines and scrutiny present in the lending market, how are you supposed to get approved for a mortgage for your next investment property? You deserve a specialized product made with you in mind to help close the gap between your financial situation and your investment goals.

Cellphone in hand

At The Mortgage Shop, LLC, we believe in the power of brilliant ideas to find flexible and out-of-the-box mortgage solutions so that you can get into your next investment faster.

Don’t miss out on the property you want. Schedule a call with us today!

One of the East Coast's Premier American Mortgage Brokers

We are quickly becoming America’s one-stop shop for investors who need to get a lender credit mortgage the easy way.

At The Mortgage Shop, LLC, we have been helping investors overcome the barriers to conventional mortgage qualification getting them into their next investment faster, for over 15 years. Whether you are looking for short-term or vacation rentals, long-term rentals, or multifamily properties with up to four units, we have the right mortgage for your goals.

Conventional conforming institutions may not approve your mortgage loan application based on your self-employed income or rental income alone. The Mortgage Shop, LLC looks beyond these factors to consider the exciting investment potential your next slice of real estate holds for you! That’s how we help ensure you can build wealth for generations to come.

Our professional specialists provide the best service in the industry. We are committed to offering guidance and complete support through all of your 1031 exchange questions and help you to understand how your new property’s cash flow will work. You don’t need to worry about searching for the best mortgage brokers for your investment anymore: you’ve already found us.

Do you have Short-Term Rental Experience? Jump over to Lightning Lane and get approved sooner without the consultation call!

Why Choose Us

We Work Precisely

With over 15 years of experience, our mortgage loan originators know exactly how the short-term rentals market operates, how a property’s cash flows, and the particulars of cash on cash returns. You can trust the best American lender underwriters to support you and get the deal closed.

We Understand Requirements

Not only do we have in-depth knowledge of financial institutions’ procedures, we thoroughly understand the needs of investors who are building their wealth through real estate. The Mortgage Shop, LLC is a loan lender specially designed to help you achieve your dreams.

We Deliver the Best Outputs

You don’t need to worry about missing out on your dream investments because you can’t get approved for a loan. We deliver the best results for real estate investors who require a home loan designed to match their needs.


The Mortgage Shop, LLC Makes Lender Credit Mortgage Easy

No more worrying about jumping through hoops to get approved for your home loan by your mortgage lender. Our mortgage process is made simple and easy with investors in mind, so you can get into your next property investment fast.

Schedule a Call

Thinking about growing your real estate investment portfolio? Schedule a call to discuss your mortgage online with just a few clicks.

Speak With an Expert

Our mortgage loan originators are here to do the hard work for you. Tell us about your situation, and we'll diligently search for offers that will help you achieve your investment goals. It's that easy!

Finalize The Offer

The final step to getting your mortgage application approved is by finalizing the offer and signing the agreement. Now you're ready to find the perfect investment!

Do you have Short-Term Rental Experience? Jump over to Lightning Lane and get approved sooner without the consultation call!


Frequently Asked Questions.

There are many types of mortgage lenders on the market. Some serve a wide market, while others provide customized services to suit the needs of their clients. Here are some of the main mortgage lender types available:

  • Retail lenders offer mortgages directly to their consumers
  • Direct lenders create their own loans by using their own funds, or by borrowing them from somewhere else
  • Portfolio lenders provide borrowers with loans from their own money
  • Correspondent lenders are mortgage suppliers who provide money for the loan, and in some cases, they service the loan too.
  • Wholesale lenders provide the funds for a mortgage, and sometimes they originate and service the loans. These may be banks or other financial institutions.
  • Warehouse lenders provide short-term funds to other lenders to help them fund mortgages.
  • Hard money lenders are individuals or private companies with large cash reserves who can help fund a mortgage.

There are two main types of home loans you can secure. They offer different advantages depending on the term of your investment and the monthly mortgage payment you can afford. 

  • Fixed-rate mortgage: Fixed-rate mortgages are the more popular mortgage options. Investors can choose between a 15-year and a 30-year loan. With a fixed-rate mortgage, your interest rates remain the same for the duration of your loan, regardless of fluctuations in market interest rates.
  • Adjustable-rate mortgage: Adjustable-rate mortgages tend to offer borrowers low interest rates when they first sign on. They are periodically adjusted throughout the full term of the mortgage based on an index that reflects a lender’s cost of borrowing on the credit markets.

2-1 Buydown Explained: How to Take 2 POINTS OFF Your Rate!

2-1 Buydowns Explained by Brenna. 2-1 Buydown is a type of financing that lowers the interest rate on a mortgage for the first two years before it rises to the regular, permanent rate.

Tax Benefits to Filing Rental Income

Brenna and Real Estate CPA Ryan Bakke talk about the benefits of owning a Short Term Rental, Tax Returns, and the benefits of hiring a Real Estate CPA.

To Close in an LLC or Not?

In today’s video Brenna, CEO and Founder of The Mortgage Shop talks about whether to close on an LLC or not. Featuring Real Estate Attorney Patrick Andres.