01 / REALTORS
For licensed real estate professionals
When a buyer has non-traditional income, limited funds to close, or a financing need that calls for another look.
Resources, visibility, and financing paths for Realtors
More ways to serve your clients. More ways to grow.
Explore financing paths, practical tools, listing exposure, and referral opportunities—all in one place to help you serve clients and grow your business.
Residential options for Florida buyers
Investor financing in eligible markets
Commercial real estate solutions
Business funding options
Who this is for
A useful next step when the first answer is “no.”
Helping Realtors Succeed gives real estate professionals a place to explore financing options for the people and properties they work with.
02 / INVESTORS
For real estate investors
For investors tired of spending days looking for a lender for a rental, rehab, construction, or time-sensitive deal.
03 / BUSINESS
For commercial and business clients
For business owners and commercial property investors looking for real estate or business-purpose funding options.
Explore financing options
Find a program that may fit the scenario.
Use these quick descriptions to spot a possible direction. Select a scenario to review program details and eligibility.
Conforming & Homebuyer Loans
6 program optionsNo Money Down
Buyers with 600+ credit, two years of verifiable employment, and limited funds to close, subject to program eligibility.
View program detailsFHA
Buyers who need a flexible path to homeownership and may benefit from FHA guidelines.
View program detailsConventional — Fannie Mae / Freddie Mac
Buyers whose credit, income, and property fit conventional agency guidelines.
View program detailsUSDA
Eligible buyers purchasing in a qualifying area who meet program requirements.
View program detailsVA
Eligible veterans, service members, and surviving spouses purchasing or refinancing a home.
View program detailsDown Payment Assistance
Eligible buyers who need help with their down payment or closing costs.
View program detailsNon-QM & Specialty Home Loans
13 program optionsITIN
Borrowers using an ITIN who need an option designed for their documentation profile.
View program detailsForeign National
International buyers looking to finance eligible U.S. property.
View program details12–24 Month Bank Statement
Self-employed borrowers with strong deposits whose tax returns don’t show enough qualifying income; some options may start at 10% down.
View program detailsUnaudited P&L Only
Business owners whose documented income may support qualifying without audited financial statements.
View program detailsWritten Verification of Employment Only
Employed borrowers whose income can be verified directly with their employer under program guidelines.
View program details1099 Only
Independent contractors whose 1099 income may be a better fit than traditional documentation.
View program detailsAsset Depletion / Utilization
High-asset borrowers whose income documentation doesn’t reflect their ability to repay.
View program detailsNo-Ratio
Borrowers whose scenario doesn’t fit standard debt-to-income calculations but may fit an alternative review.
View program detailsJumbo / Portfolio
Buyers seeking a larger loan or a solution outside standard agency guidelines.
View program detailsEAD / Work Permit
Borrowers with eligible work authorization who need an option tailored to their documentation.
View program detailsCondo Financing
Buyers purchasing a condo that needs project-specific financing review.
View program detailsNon-Warrantable Condo Financing
Buyers purchasing a condo project that doesn’t meet standard agency requirements.
View program detailsCondotel Financing
Buyers financing a condo-hotel unit with hotel or rental features.
View program detailsInvestor Loans
9 program optionsDSCR
Investors whose property rental income may support financing.
View program detailsGround-Up Construction
Investors building a new property who need financing for construction.
View program detailsFix and Flip
Investors purchasing and renovating a property for resale.
View program detailsBlanket Mortgage
Investors financing multiple properties under one loan.
View program detailsTransactional Funding
Investors who need short-term capital for an eligible, time-sensitive purchase and resale.
View program detailsPrivate Money
Investors who need a flexible, asset-focused financing option.
View program detailsBridge Loans
Investors who need short-term financing while repositioning, refinancing, or selling a property.
View program detailsRental Portfolio / Permanent Financing
Investors seeking longer-term financing for rental properties or a portfolio.
View program detailsFix-to-Rent
Investors buying or renovating a property they plan to hold as a rental.
View program detailsCommercial Loans
3 program optionsCommercial Real Estate Financing
Businesses and investors purchasing or refinancing eligible commercial property.
View program detailsMultifamily Financing
Investors financing eligible multifamily properties.
View program detailsSBA Real Estate Financing
Eligible businesses pursuing financing for real estate used in their business.
View program detailsBusiness Loans
8 program optionsRevenue Advance
Businesses with consistent revenue seeking capital for near-term needs.
View program detailsUnsecured Line of Credit
Businesses seeking revolving access to working capital.
View program detailsInvoice Factoring
B2B businesses waiting on customer invoices and needing access to cash sooner.
View program detailsPurchase Order Factoring
Businesses with confirmed orders that need funds to fulfill them.
View program detailsSBA — No Real Estate
Eligible businesses seeking SBA financing for non-real-estate business needs.
View program detailsEquipment Funding
Businesses purchasing or refinancing equipment.
View program detailsBusiness Term Loan
Businesses seeking a lump sum for a defined project or expense.
View program detailsWorking Capital
Businesses needing funds for operating expenses, inventory, or growth.
View program detailsProgram availability, qualifying guidelines, property types, and state coverage vary by product. A scenario review is not a loan approval or commitment to lend.
Free Realtor resources
Practical guides to keep within reach.
Explore six short, practical e-books for real estate professionals. Choose a title and request it through one simple form.
PARTNER BUSINESS GUIDE
The Realtor’s Private-Money Playbook
Build a thoughtful funding referral channel around eligible investment and business-purpose needs.
Request this guide
BUYER CONVERSATION GUIDE
The Financing Conversation
Spot common financing clues and help buyers find a useful next conversation.
Request this guide
CLIENT RELATIONSHIP FIELD GUIDE
The Realtor’s Referral Engine
A practical 30-day plan for past-client follow-up and a steadier referral pipeline.
Request this guide
LISTING FIELD GUIDE
The Listing Reset
Simple steps to diagnose a listing that has stalled and plan the next seller conversation.
Request this guide
TRANSACTION FIELD GUIDE
Under Contract, On Track
A clear checklist for reducing avoidable friction from contract to closing.
Request this guide
AGENT BUSINESS GUIDE
The Organized Agent
Lightweight systems for follow-up, time, and a stronger real estate business.
Request this guideFree Real Estate Hub
Want more eyes on your listing?
Submit an active listing for consideration in the Helping Realtors Succeed hub. Share the property details and listing link; if selected, it can be featured as a card with a link back to your listing.
How it works
Start with the scenario. Find the next step.
Keep the first conversation simple. We’ll help identify which lending path may be worth exploring.
STEP 01
Share the basics
Tell us who the financing is for, what they’re trying to do, and where the property or business is located.
STEP 02
Review possible paths
We’ll look at the scenario and identify programs that may be relevant.
STEP 03
Discuss next steps
If there may be a fit, the appropriate team can explain what information is needed to continue.
For unlicensed referral partners
Know an investor or business owner who needs funding?
SellMoneyMakeMoney™ gives eligible unlicensed partners a way to refer investment-purpose and business-funding scenarios through the partner program.
Florida owner-occupied residential loans are excluded. Participation, eligibility, and compensation are subject to program terms.
A few helpful details
Before you send a scenario
Does HRS make loan approvals?
No. Helping Realtors Succeed is a Realtor education and marketing resource. Financing options are reviewed by the appropriate lending team and are subject to underwriting.
Where are owner-occupied loans available?
Owner-occupied residential lending through Pineyro Capital Group Inc. is available in Florida. Other program availability depends on the product and eligible state.
Can I send an investor or commercial scenario?
Yes. Share the basic scenario and property location. Investment and business-purpose options depend on program guidelines and state availability.
What should I include to get started?
Start with the property or business location, the type of transaction, the amount requested, and a brief description of the borrower’s goal. Avoid sending sensitive documents through an unsecured form.
Start with a quick scenario
Let’s see which financing paths may fit.
Share the basics in under 60 seconds. We’ll help you identify a useful next step for your client or investment deal.