1-4 unit property loans finance investor-owned one to four family rentals, flips, short-term rentals and small construction projects. Clopton Capital offers DSCR rental loans up to 80% LTV, fix and flip loans up to 90% of cost, bridge loans up to 75% LTV, construction loans up to 85% of cost, and portfolio loans for three or more properties, with quotes in as little as 24 hours.
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.
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
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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.
