REAL ESTATE
1-Unit Residential
Single-Family Loans
Purchase or refinance a single-family home or rental property, with financing structured for both owner-occupants and buy-and-hold investors.
At a Glance
Loan Amount
$10K – $350M
Max LTV
Up to 90%
Term
6 Mo – 35 Yrs
Property Types
Res. / Comm. / Mixed-Use
Time to Close
3 – 6 Working Days
——— Overview
Financing for single-family homes
Single family loans finance the purchase or refinance of one-unit residential properties — houses, condos, and townhomes — for both owner-occupants and buy-and-hold rental investors.
Trust Edge Ventures Ltd underwrites each application against the borrower’s profile and property fundamentals, offering both traditional income-verified financing and streamlined options for investors who’d rather qualify on the property’s rental income.
Key Features
- Purchase and refinance financing for single-family homes
- Available for owner-occupants and buy-and-hold investors
- Fixed and adjustable rate options
- Streamlined qualification path for rental property investors
- Available across all supported regions
Loan Terms
Loan Amount
$10K – $350M
Max LTV
90%
Rate Type
Fixed / IO
Term Length
30 Years
Property Type
SFR / Condo
—— Is This Right For You?
Built for homeowners and single-property investors
- Good fit if you
Are purchasing or refinancing a single-family home
Are buying your first rental property
Want either owner-occupant or investor-style qualification
Prefer a straightforward one-property transaction
- Consider another product if you
Are qualifying purely on rental cash flow at scale — see DSCR Loans
Are financing a 5+ unit property — see Multi-Family Loans
Need short-term renovation financing — see Fix and Flip
Are pulling equity from a home you already own — see Cash-Out Refinance
—— Process
From application to funding
1 ———————————————————
Submit Property Details
Share the property, purchase price or budget, and project plan.
2 —————————————————
Underwriting Review
We evaluate the property and qualification path that fits your situation.
3 ——————————————
Terms Issued
Receive your rate, LTV, and term options.
4 ——————————————
Close & Fund
Close on your timeline, whether purchasing or refinancing.
——— Common Questions
Real Estate Loans FAQ
Can i use this loan for rental property, not just a primary residence?
Yes, single family loans are available for both owner-occupied homes and single-unit rental investment properties.
What property types qualify?
Single-family detached homes, condominiums, and townhomes are all eligible under this program.
Do i need to verify personal income?
Owner-occupant financing typically requires standard income verification; investors may qualify through a rental-income-based path instead — ask your advisor which fits your situation.
How does this differ from DSCR loans?
DSCR loans qualify purely on property cash flow and are built for scaling a rental portfolio. Single family loans also support traditional income-verified purchases, including primary residences.
——— Related Products
Explore other financing options
Real Estate
DSCR Loans
Qualify on property cash flow — no personal income verification.
——— Get Started
Check your rate in minutes.
No impact to your credit. Get matched with a DSCR
loan advisor and see your terms before you commit to anything.