Welcome To
SoFlo
LENDERS
A Commercial Lending Company
DSCR "Cash Out" Multifamily ReFi
Unlock Equity Without Tax Returns.
Scale your portfolio by tapping into the equity of your multi-unit assets. Our Debt Service Coverage Ratio (DSCR) loans focus on the property’s cash flow rather than your personal income. Get the capital you need to fund your next acquisition with streamlined approvals and competitive leverage. [Read More…]
Single Family Rental ReFi
Optimize Your Long-Term Hold Strategy.
Transition out of high-interest bridge debt or capture lower rates for your stabilized rental properties. We provide long-term, fixed-rate financing designed specifically for single-family investors. Maximize your monthly cash flow with an optimized loans based largely on your properties’ existing income. You’re personal income is not factored into qualification.
Fix & Flip Loan
Fast Capital for Your Next Renovation.
In the world of house flipping, speed is your greatest asset. Our Fix & Flip bridge loans provide the agility you need to secure distressed properties and fund 100% of renovation costs. We offer quick closings and flexible draw schedules so you can focus on the rehab and the exit.
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Where size doesn’t matter
— We get the job done! —
SMARTER FINANCING
SoFlo Lenders specializes in commercial and investment real estate financing. We help developers, investors, and business owners secure optimal funding for acquisitions, new developments, and refinancing.
AMAZING MILESTONES
With deep market expertise and a relationship-driven approach, we deliver financing solutions that align with your long-term goals.
VISION + FUNDING RESULT$
Portfolio Building With
Investor's Experience
In today’s market, many services can be outsourced—but a true lending partnership shouldn’t be. As a leading private lender for real estate investors, we take the time to understand your investment strategy, project pipeline, and long-term goals. By keeping our key operations in-house, we maintain the speed, consistency, and expertise needed to help serious investors scale their portfolios with confidence.
Dedicated Construction Oversight
Speed matters in real estate investing. Our internal construction management team helps keep projects moving so your capital isn’t sitting idle. With streamlined coordination and clear timelines, many investors receive funding in as little as four days—so you can move from acquisition to execution without unnecessary delays.
Integrated Loan Servicing
Closing the loan is only the beginning. Each investor is paired with a dedicated SoFlo Lenders analyst who works alongside you throughout the life of the project—providing guidance, support, and responsive service designed to help every deal perform the way it should.
Real Estate Investment Expertise
We operate as an extension of your investment team. With deep experience in investment property financing and specialized lending programs, we help investors navigate complex projects and evolving market conditions with confidence.
OUR PRODUCTS
At SoFlo Lenders we value the power of relationships. That is why we’ve built our products and business model around helping thousands of real estate investors get to the next level. We’ve been at it for over a decade and continue to offer diverse products to diverse customer-types across a diverse geographic footprint. Fix and flips, rentals, and new construction — whatever your investment strategy, we get it. And more importantly, we’ve got the programs and people to help you make it happen.
THE BEST LOAN PROGRAM
FOR INVESTORS OF ANY SIZE
DCSR loans measures a business or property’s ability to cover its debt payments with its own operating income (not the borrower’s income.)
- Lender Evaluation: Lenders use DSCR to determine if a property can pay for itself, often using rental income rather than personal income to qualify investors.
- Loan Approval: A higher DSCR increases creditworthiness, making it easier to secure loans.
- Loan Terms: Higher ratios can lead to better loan terms, while lower ratios may require higher down payments or result in higher interest rates.
Have questions? Contact us today for a free loan evaluation.
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