Interest-Only Loans

Maximize Cash Flow & Flexibility with Creare Capital Lending

Smart Financing Solutions for Real Estate Investors Nationwide 

At Creare Capital Lending, we understand that real estate investors value cash flow and control — especially when scaling portfolios or managing multiple projects.


Our Interest-Only Loan Programs are designed to help investors keep monthly payments low during the initial term, freeing up capital for renovations, acquisitions, or operating expenses. Whether you’re refinancing, acquiring, or constructing an investment property, interest-only options give you financial breathing room while your asset appreciates. 

Program Highlights

Loan Amounts: $100K – $10M

Interest-Only Periods: Up to 10 years (varies by program)

Available for DSCR, Fix & Flip, Bridge, and Construction Loans

Terms: 12 months to 40 years

No Tax Returns or Income Verification (available for investor programs)

Up to 80% LTV (depending on property type)

Nationwide Lending Coverage

Foreign Nationals Eligible

Why Investors Choose Interest-Only Loans

Maximize Monthly Cash Flow  – Pay interest only during the initial term, lowering monthly obligations. 

Reinvest in New Opportunities – Free up capital for renovations or new acquisitions. 

 Flexible Exit Strategies – Ideal for short-term holds, flips, or projects in progress.

Leverage-Based Qualification – Programs available through DSCR, No-Doc, or Bridge loan options. 

Tailored for Investors  – Underwriting that focuses on asset potential, not tax returns


Whether you’re a seasoned investor or building your first portfolio, Creare Capital Lending offers flexible solutions that align with your investment strategy.


How Interest-Only Loans Work

Interest-only loans allow borrowers to pay only interest for a set period — typically 1 to 10

years — before transitioning to principal and interest payments or refinancing.


This structure is ideal for investors who:

  • Expect property appreciation or increased rental income in the near term
  • Plan to sell or refinance within a few years
  • Need to maintain higher liquidity during project phases

The Creare Capital Lending Process

  1. Pre-Qualification – Discuss your goals, property details,  and desired loan structure.
  2. Application & Review – Quick review of property income, experience, and credit
  3. Underwriting & Approval – We tailor an interest-only solution to fit your investment plan. 
  4. Funding – Receive your funds fast and start maximizing your returns. 


Creare Capital’s streamlined process ensures speed, transparency, and investor-focused flexibility from start to finish. 

Eligible Property Types

  • SFR (1–4 Units)
  • Condos & Townhomes
  • Multi-Family Properties
  • Mixed-Use (Non-Owner Occupied)
  • Short-Term Rentals / Airbnbs
  • New Construction Projects

Start Maximizing Your Cash Flow Today

Lower your monthly payments and invest smarter with Creare Capital Lending’s Interest-Only Loan Programs.

Fast approvals. Flexible terms. Investor-focused lending. 
Apply Now for an Interest-Only Loan with Creare Capital Lending

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Frequently Asked Questions (FAQ)

  • What is an interest-only loan?

    It’s a loan where you pay only interest for a set period before principal payments begin — ideal for improving cash flow and reinvestment flexibility.

  • How long can I make interest-only payments?

    Typically between 1 and 10 years, depending on the loan program.

  • Can I refinance before the interest-only period ends?

    Yes — many investors refinance into permanent or DSCR loans before principal payments start.


  • Do interest-only loans require income verification?

    Not always — Creare Capital Lending offers No-Doc and DSCR-based interest-only options that qualify based on property income.


  • Are interest-only loans available nationwide?

    Yes — we lend across the U.S. and to foreign nationals investing in U.S. real estate.