Mortgage solutions built around your property goals.
Whether you are buying your first rental, refinancing a portfolio or moving from tenant to homeowner, 8Twelve structures the financing that fits.
Start your applicationWhat we can finance.
Rental and investment purchases
Financing for single units, duplexes and small multi-unit properties, with rental-income offsets that maximize what you qualify for.
Refinance and equity takeout
Pull equity out of an existing rental to fund the next down payment, renovate a unit or clean up higher-interest debt.
First-time buyer programs
For SingleKey tenants moving from renting to owning: down-payment strategy, incentives and a realistic pre-approval.
Alternative and B-lender solutions
Self-employed, multiple properties or non-traditional income? We place files banks decline, with a plan to move back to A pricing.
Small commercial and mixed use
Five-plus units, mixed-use buildings and portfolio financing through our commercial desk.
Renewals and rate reviews
A free renewal review before your term ends so you never sign the lender's first offer by default.
How it works.
Share your goal
Two minutes on the application - property type, timeline and what you are trying to accomplish.
Get matched
A licensed agent who works with landlords and investors takes your file the same business day.
Compare real options
We shop 65+ lenders and bring back structures, not just rates - amortization, prepayment terms and penalties included.
Close with support
We coordinate documents, lender conditions and your lawyer straight through to funding.
Get your options in writing.
Free, no obligation, and no credit check until you decide to move forward.