In real estate investing, timing is everything. If your lender can’t close fast enough, you risk losing deals and profits. That’s why investors across NJ and PA turn to Envy Investment Group for speed and certainty.
So how fast can you really close with a DSCR loan or fix & flip loan? Let’s break it down.
DSCR Loan Closing Times
- Typical closing: 3–4 weeks.
- Approval based on rental income vs. debt payment.
- No personal income docs required.
- Perfect for refinancing or scaling rental portfolios.
Fix & Flip Loan Closing Times
- Typical closing: 2–3 weeks.
- 12–18 month, interest-only terms.
- Up to 90% purchase + 100% rehab costs covered.
- Designed for investors who need funds to move quickly on opportunities.
Small Commercial Loan Closing Times
- Typical closing: 30–60 days.
- Best for 5+ unit or mixed-use properties.
- Requires more documentation than DSCR or fix & flip.
Real Example: Cherry Hill, NJ
An Envy borrower closed a fix & flip loan in Cherry Hill in just 3 weeks, giving them the speed they needed to lock in renovations and resell on schedule.
Why Investors Trust Envy
- Streamlined underwriting that cuts out unnecessary paperwork.
- Direct lending decisions mean faster approvals.
- Investor-first approach that prioritizes speed and repeat business.
What Other Investors Are Saying
“Shalom is the best private lender I have ever worked with. I funded my 5 unit building in Syracuse NY. Quick, creative, and personal. He did what others couldn’t. Great professional to work with. Would recommend him to anyone in need of capital.” – Gregory Purdy
Final Thoughts
If you’re asking, “How fast can I close with a DSCR or fix & flip loan?” the answer is: faster than a bank, and fast enough to keep your contracts alive.
At Envy Investment Group, we routinely close in 2-4 weeks on DSCR and fix & flip loans, helping serious investors stay competitive.