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1-4 unit Property
Loans

Designed for real estate investors, 1-4 unit property loans make it easier to finance DSCR rentals, flips, bridge deals, construction, and short-term rentals quickly.

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Real estate investors discussing 1-4 unit property loans in an office

Loans For 1-4 unit Properties From Clopton Capital

Clopton Capital provides flexible financing solutions for investors in 1-4 unit residential properties, including single-family homes, duplexes, triplexes, and fourplexes. Our loan programs cover fix & flip projects, rental properties, short-term rentals, bridge financing, and construction loans. Designed for speed and efficiency, our programs offer competitive LTV/LTC options, flexible prepayment terms, and fast closings—so you can take advantage of investment opportunities without delay.

Last Updated: January 2026

How to Apply for 1-4 Unit Property Loans

Applying is fast and straightforward:

  1. Click the apply link and create a login.

  2. Complete the online prompts with your borrower and property details.

  3. Receive loan terms and quotes in as little as 24 hours.

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APPLY CLICK HERE

Fix & Flip
Short-Term Rental
  • Finance up to 90% loan to cost
  • Single-family & multifamily properties
  • No Prepayment Penalties
  • Close in as little as 5 business days
  • Finance up to 75% loan to value; 70% for cash-out
  • Single-family & multifamily properties
  • Low or No Prepayment Penalty options
  • Must be listed on Airbnb, VRBO, or similar
Bridge
Rental Properties
  • Finance up to 75% loan to value; 65% for cash-out
  • Single-family & multifamily properties
  • No Prepayment Penalties
  • Multi-year bridge loan
  • Finance up to 80% loan to value; 75% for cash-out
  • Single-family & multifamily properties
  • Low or No Prepayment Penalty options
  • Minimum DSCR 0.75
Construction
Rental Portfolios
  • Finance up to 85% loan to cost; 65% of the value after completion
  • Single-family, townhomes, and ADUs
  • No Prepayment Penalties
  • Draws fund in as little as 1 business day
  • Finance up to 75% loan to value; 70% for cash-out
  • Single-family & multifamily properties
  • Low or No Prepayment Penalty options
  • Minimum of 3 properties
Owner-operators securing commercial mortgages for commercial properties

Get A 1-4 unit property loan With Clopton

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1-4Unit Property Loans FAQ

What are 1–4 unit property loans?

1–4 unit property loans are financing options for residential properties with one to four units. These loans are commonly used for single-family homes, duplexes, triplexes, and fourplexes, whether for owner-occupancy, rental income, or investment purposes.

Eligibility typically depends on credit score, income, debt-to-income ratio, and property type. Borrowers may include individuals, LLCs, or investors, with minimum requirements varying by lender.

Most programs offer low or no prepayment penalties. Certain short-term loans, like fix & flip, may allow borrowers to pay off early without extra fees.