What is it? (plain English)
An investor acquisition loan is business-purpose, asset-based capital used to purchase an investment property — qualified primarily on the asset, the equity, and the plan rather than personal income and conventional debt ratios.
Who is it for?
Investors buying property that doesn't fit conventional financing, or who need to move faster than a bank's timeline allows.
When might it make sense?
When a deal requires speed or flexible underwriting — a property a conventional lender won't finance as-is, a competitive purchase, or a situation where your personal income won't carry a traditional loan.
Good to know
Underwriting centers on the asset's value and marketability, your equity (skin in the game), liquidity, experience, and the exit. Cost is higher than conventional financing; the right structure depends on the deal and your plan for the property.
Potential advantages
Asset-based and flexible; faster than conventional; finances properties and situations banks won't.
Potential limitations
Higher cost; requires meaningful equity; depends on a credible plan and exit; not a fit when conventional financing would serve and there's no time pressure.
Documents you may need
Property and deal details, valuation support, entity documents, proof of reserves, insurance.
Questions to ask before you choose
- Why doesn't conventional financing fit here?
- How much equity am I putting in?
- What's my plan and exit for the property?
- Is the cost justified by the opportunity?
How Kyon helps
We help you decide whether asset-based acquisition capital is the right tool (or whether to wait for conventional), structure it to the deal, and arrange or fund it.