Ziffy.ai | AI-Native Real Estate Investment Platform

Find the Perfect Investment Property and Fund it, All in One Place

Discover cash-flowing rentals, analyze ROI metrics, and fund your investment through Ziffy’s investor-friendly mortgages (qualify using rental income) - all in one place.

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Investment Property 1
Multi Family Rental for Sale in Miami, FL
$350,000
24.9% ROI
Investment Property 2
Investment Property for Sale in Dallas, TX
$325,000
27.4% ROI
Investment Property 3
Condo for Sale in Modesto, CA
$579,000
24.4% ROI
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Qualify based on rental

income vs. personal income

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No US credit

history or FICO needed

Featured In:

Featured in National Association of Realtors, Redfin, US News, Fortune

All-In-One Investment Platform

Everything you need to find, analyze, and finance your next cash flowing property investment - all in one place.

Instant ROI & Cash Flow Analysis

Instant ROI & Cash Flow Analysis

Know profitability upfront with Ziffy's built-in analytics. See projected ROI, cash flow, and rental income estimates for any MLS listing.

DSCR Mortgage Financing

DSCR Mortgage Financing

Qualify based on rental income, not personal DTI, with Ziffy's investor-first DSCR mortgages for faster, simpler financing.
*DSCR - Debt Service Coverage Ratio

Rental Insights for Short- & Long-Term Rentals

Rental Insights for Short- & Long-Term Rentals

Use Ziffy's data-driven insights to spot top-performing Airbnb and traditional rentals -making profitable investment effortless.

How It Works
1

Find Cash Flow Rentals

Set price, ROI & cash-flow filters; we surface live MLS and offline deals that match.
2

Instantly Analyze ROI Metrics

3

Pre-Qualify with DSCR Loans

4

Connect with Local Investor-Friendly Agents

5

Start Loan Process & Close the Deal

6

Grow Your Portfolio – Cash-out, Re-Invest, Repeat

Take the first step towards achieving your goal. Click below to begin your journey with us.
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Find Cash Flow Rentals

Our Mortgage Programs Tailored for Real Estate Investors

DSCR Loan
Fix & Flip Loan
Bridge Loan
Full Doc Loan

Debt Service Coverage Ratio (DSCR) Loan

"Unlock property potential with income-driven financing"

Designed for real estate investors, this loan focuses on property cash flow rather than personal income. Ideal for maximizing your investment potential.

Requirements:

DSCR Ratio: 1 or Higher for best terms, No Ratio DSCR Program Available
LTV Ratio: Upto 80% for purchase and rate term refinance, upto 75% for cash out refinance
Loan Amount: $75K - $10M
Credit Score: Minimum 620
Cash Reserves: 2 months
Property Use: Investment properties (residential and commercial)
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The Love ❤️ We Get

"I didn't have to climb the mountain of endless paperwork or personal tax returns - my potential rental income was the guiding compass. Just like a sturdy bridge over troubled waters, the DSCR loan carried me safely to my next investment milestone. I never realized financing could be this smooth and empowering."

John Davis

Investment Property in Austin, TX

Recently Funded

Pinecrest, FLFull Doc Loan

$1,254,000

Pinecrest, FL

Purchase

Magnolia, TXDSCR Loan

$203,940

Magnolia, TX

Purchase

Miami, FLDSCR Loan

$325,500

Miami, FL

Refinance

Dayton, OHDSCR Loan

$75,040

Dayton, OH

Purchase

New York, NYDSCR Loan

$357,500

New York, NY

Purchase

Chicago, ILDSCR Loan

$214,500

Chicago, IL

Purchase

Niagara Falls, NYDSCR Loan

$150,001

Niagara Falls, NY

Refinance

Ready to start fund your next investment project?

Get tailored mortgage financing for your real estate investment.

See If You Qualify

Check if your investment property qualifies for DSCR financing in just a few clicks

DSCR Loan Calculator

DSCR

Your calculated DSCR value is 0

This is just an estimate. Actual loan terms may vary based on property characteristics, location, credit, and other factors.

Investment Summary

YEAR 1

Annual CashFlow$0
Equity gained$0
Annual Property Appreciation$0
Return on Cash Invested0.00%

YEAR 5

Annual CashFlow$0
Equity gained$0
Annual Property Appreciation$0
Return on Cash Invested0.00%

Cumulative Return on cash invested at the end of

Year 1: 0.00%, Year 5: 0.00%

FAQs

What types of investment properties can I finance through Ziffy Mortgage?

We offer financing solutions for a wide range of property types, including single-family homes, multi-unit residences, condos, townhomes, commercial properties, and more. Whether you’re looking to flip a property or build a long-term rental portfolio, we have loan options to fit your strategy and an AI-driven investment property search engine to help you make informed decisions.

How does the DSCR (Debt Service Coverage Ratio) loan work, and why is it useful for investors?

A DSCR loan bases your eligibility on the property’s expected rental income rather than your personal income. This is ideal for investors looking to qualify primarily on the cash flow potential of the property, making it easier to scale a real estate portfolio.

What sets Ziffy apart from other lenders for real estate investors?

Ziffy is the first All-In-One Investment platform for real estate investors, from finding to funding the property. We specialize in fast approvals, competitive rates, and minimal documentation for investor-focused loans. Our team understands the unique challenges investors face like timing, cash flow, and property-specific requirements and we tailor our programs accordingly.

How quickly can I close on an investment property with Ziffy Mortgage?

Timeframes can vary by loan type and property specifics, but our streamlined process often allows investors to close in as little as 15–30 days, helping you capitalize on market opportunities before they’re gone.

Do I need tax returns or W-2s to qualify for an investment property loan?

No. If you opt for a DSCR (Debt Service Coverage Ratio) loan, using the property’s rental income to qualify, we don’t require traditional income documentation or tax returns. We’ll review your situation and recommend the best loan product based on your qualifications and goals.

How do I get started with Ziffy Mortgage?

It’s simple. You can start by submitting our online form. We’ll schedule a brief consultation to learn more about your real estate investment plans and help you choose the right loan product, analyze your rental income through our AI-driven investment property search engine to maximize your returns.

Can I refinance an existing property with Ziffy Mortgage to access equity for new investments?

Absolutely. We offer refinance and cash-out refinance options tailored for investors who want to tap into property equity to expand their portfolio or improve existing properties.

Ready to Fund Your Next Deal, On Your Terms?

Skip the W-2 paperwork. Use the property's rental income to qualify, lock your DSCR rate, and start building equity faster – no traditional hurdles, just investor-friendly financing.
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