Wholesale Brokerage · Real Estate Investors
We're a wholesale brokerage built specifically for active real estate investors. DSCR rentals, fix-and-flip, bridge, and portfolio refis from a curated panel of investor-focused lenders. We get you a competing offer in 24 hours — even on deals your primary lender already declined.
Or call directly: (575) 363-4013 · Mon–Fri 8a–6p MT
01 — Loan Products
Four core products covering 95% of investor financing needs. Every loan is shopped across our panel — you see the best terms, not the easiest.
$100,000 – $3,000,000
Long-term rental property financing qualified on the property's cash flow — not your tax returns. Ideal for buy-and-hold, BRRRR, and portfolio scaling.
$100,000 – $2,500,000
Short-term purchase + rehab capital with construction draws. Up to 90% LTC on purchase, 100% of rehab. First-timers welcome with strong scope.
$100,000 – $5,000,000
Short-term capital to close fast on a deal, then take out with a DSCR refinance. Perfect for auction purchases, off-market acquisitions, and seasoning gaps.
$500,000 – $5,000,000+
Refinance 5+ properties under a single loan. Cash-out equity to scale, replace seasoned hard money, or simplify servicing across a rental portfolio.
02 — How It Works
You submit your scenario once. We shop it across our lender panel. You compare real offers and pick the one that works.
A 5-minute scenario form: property, purchase or refi, target leverage, exit strategy. Soft credit pull only — no impact on your score.
~5 minutes
Within 24 hours, we route your scenario to the 2–4 lenders most likely to win it on best terms. You get real term sheets — not generic rate quotes.
24 hours
You choose the offer that fits. We coordinate underwriting, appraisal, and closing with the lender. Funded in as few as 10 days for fix-and-flip.
10–30 days
03 — Why Eniji
Most lenders have one credit box. When your deal falls outside it, they pass — and you lose the property. Our value isn't shaving 25 basis points off a clean deal (you can do that yourself). It's closing the deal that a single direct lender can't.
Submit once. We package your file and shop it across our wholesale panel — DSCR specialists, hard money, bridge, and portfolio lenders — to find the credit box that fits your deal.
The edge cases other lenders decline — value-add deals with thin in-place rent, borrowers with credit events, complex entity structures — are exactly where we win. We know which lenders flex on what.
You see broker compensation on the commitment letter and HUD before you close. No teaser rates, no buried fees. We're paid by the lender — not by you.
Every scenario is reviewed by a human who understands DSCR math, ARV mechanics, and BRRRR seasoning rules. If your file needs work to get approved, we'll tell you what to fix before submitting.
04 — The Founder
Emeka C. Akorah Founder
Eniji was started after running into the exact problem we now solve for our clients — a deal the bank wouldn't close, and a single direct lender's credit box that didn't fit it.
Emeka is a real estate investor and wholesaler who built Eniji as the brokerage he wished he'd had on his own deals. One that knows how DSCR underwriters actually price cash flow, where seasoning rules flex, and which lender will stretch on a sub-1.0 ratio when the deal makes sense.
Today he runs scenarios alongside investors closing everything from a single rental to seven-figure portfolio refis, with one rule for every file:
"Tell the borrower the realistic terms before the application — not after."
05 — Scenarios We Solve
Four patterns we see frequently — situations where a single direct lender's credit box fails and a wholesale broker with the right panel quietly wins the deal.
Note: The profiles below are illustrative of the types of scenarios Eniji is built to handle, drawn from common patterns in investor lending. They are not specific past clients. Indicative terms reflect typical ranges in the current market and will vary by lender, borrower, and property.
Profile 01 · DSCR Refinance
The deal
Investor owns a 4-unit in a Midwest secondary market. In-place rents put DSCR at 0.85. Plans to bring units to market rent over 12 months, projecting DSCR to 1.25.
Where conventional fails
Most DSCR lenders require 1.0+ ratio at funding. They underwrite in-place rent, not pro forma. The deal looks weak on paper.
How we place it
Panel lenders that allow sub-1.0 DSCR with compensating factors — lower LTV, larger reserves, market rent verification by the appraiser. We know which underwriters flex on which inputs.
Profile 02 · DSCR Purchase
The deal
W-2 earner buying a first single-family rental. 720 FICO, 25% down, wants the loan in an LLC for liability separation. No prior investment property.
Where conventional fails
Many DSCR lenders require one prior investment property or flip experience. Conventional Fannie/Freddie wants tax returns showing rental income that doesn't exist yet.
How we place it
Panel lenders that explicitly accept first-time investors on DSCR. LLC borrower with a personal guarantee — clean structure, no experience requirement.
Profile 03 · Bridge → DSCR Refi
The deal
Investor closed an off-market acquisition with hard money at 11% to win the bid. Property has been seasoned 4 months and is rented at market. Needs a 30-year DSCR refi before the bridge balloons.
Where conventional fails
Many DSCR lenders require 6–12 month seasoning before a refi. Some won't take out a hard money loan at all without a full-cycle title chain.
How we place it
Panel lenders that allow 3–6 month seasoning under delayed financing rules. Cash-out option if equity supports it. Fast appraisal turnaround coordinated with the bridge maturity.
Profile 04 · Portfolio Refinance
The deal
Investor with 7 single-family rentals across two states, ~$2.4M in property value, currently 60% leveraged across multiple individual loans. Wants to consolidate servicing and pull cash for the next acquisitions.
Where conventional fails
Conventional lenders cap at 10 financed properties per borrower. Servicing 7 individual loans creates operational drag. Cash-out across multiple properties one-by-one is slow and expensive.
How we place it
Single portfolio loan with a panel lender — one closing, one monthly payment, blended LTV up to 70%, cash-out built in. Pricing typically improves vs. individual loans.
Free · Field Guides
Each guide is six pages. Read in fifteen minutes. Self-screen any deal in five minutes after. Pick the one that matches the deal in front of you.
Not sure which? Stabilized rental → DSCR · Acquisition + rehab → Fix-and-Flip · Need to close fast → Bridge · 5+ rentals already → Portfolio
DSCR Rental
Fix-and-Flip
Bridge Loan
Portfolio Refi
Each form sends one email with the PDF link. Your address is not sold, added to any newsletter, or used for marketing. The only follow-up is if you reply to ask a question.
06 — Frequently Asked
If your question isn't covered, email hello@enijilending.com.
Non-owner-occupied 1–4 unit residential investment properties — single-family rentals, small multifamily (duplex, triplex, fourplex), short-term rentals (with restrictions by lender), and condos. Portfolio loans bundle 5+ properties. We do not finance owner-occupied homes, manufactured homes (with exceptions), or commercial 5+ unit apartments.
Fix-and-flip and bridge loans can close in 10–14 days when documents are clean. DSCR rental loans typically close in 21–30 days due to appraisal and title timelines. Cash-out refinances add 3 days for the right-of-rescission period. We'll give you a realistic timeline up front, not a marketing promise.
Nothing direct. We're compensated by the wholesale lender at closing — a transparent fee disclosed on your commitment letter and HUD settlement statement. You see the all-in cost of the loan (rate, points, fees) before signing anything.
No — and that's the point. We're a wholesale brokerage. We work with multiple direct lenders (Kiavi, Lima One, RCN Capital, LendingOne, Visio, and others) so your deal gets shopped to the lender most likely to approve it on the best terms — instead of being shoehorned into a single lender's credit box.
No. Several lenders on our panel accept first-time investors for DSCR loans (no flips required). For fix-and-flip, first-timers can qualify with a strong scope of work, contractor in place, and 25%+ down. We'll match you to a lender that fits your experience profile.
No. Initial qualification uses a soft credit pull only — no score impact. A hard inquiry occurs only when you accept a specific lender's term sheet and move into formal underwriting.
Eniji brokers business-purpose investment property loans nationally where state law does not require additional broker licensing. A subset of states — including California, Arizona, Nevada, Minnesota, Oregon, Utah, North Dakota, South Dakota, and Idaho — impose state-specific licensing requirements on these products. We will confirm eligibility for your specific transaction at scenario review and will not initiate brokerage activity in any state where we do not hold the required authorization. If your deal sits in a regulated state, we will tell you up front rather than waste your time.
Yes — this is one of the most common scenarios we handle. We'll structure a DSCR or portfolio refinance to take out your bridge or hard money loan, often with cash-out for your next acquisition. Seasoning requirements vary (some lenders allow delayed financing immediately).
07 — Get a Quote
Five fields. Soft credit pull only. A funding specialist will call within one business day with a real assessment — including which products and lenders fit, and what the realistic terms will look like.
