Team Kristen arranges DSCR, fix-and-flip, short-term rental, house-hacking, HELOC and rental portfolio financing for Washington investors. Kristen Hordyk is a mortgage broker and a 10+ year real estate investor who has flipped homes and operated long-term and short-term rentals.
Financing from an investor who's done it
Kristen has spent more than 10 years flipping homes, operating long-term rentals and running short-term rentals. Lenders underwrite deals; she can also help you underwrite the deal itself: purchase, rehab, holding costs, rent, and the exit.
Investor loan programs
- Investor & DSCR loansQualify on the property's rent with DSCR, or use conventional investor financing.
- Fix-and-flip loansShort-term purchase-and-rehab financing for flips, from a broker who flips.
- Short-term rental loansFinance Airbnb and VRBO properties, including qualifying on short-term rental income.
- Rental portfolio loansFrom the second rental to the twentieth: conventional, DSCR and blanket loans.
- House hacking (2–4 units)Live in one unit, rent the others: FHA, VA and conventional 2–4 unit purchases.
- Self-employed loansBank statement, 1099, P&L and asset-based options when tax returns don't tell the whole story.
- HELOC & home equityBorrow against your equity and keep your current first mortgage.
Questions to bring to the first call
- How many properties do you have financed now?
- Do your tax returns show the rental income, or do you need a DSCR approach?
- Will the property be a long-term or short-term rental, or a flip?
- Are you buying in your name or an LLC?
Common questions
What loans do real estate investors use in Washington?
Conventional investment loans, DSCR loans that qualify on rent, fix-and-flip loans, short-term rental financing, HELOCs on existing properties and blanket portfolio loans.
Can I buy an investment property without showing my income?
Yes, with a DSCR loan, which qualifies the property on its rental income. DSCR loans are business-purpose loans for investment properties only.

