Investment property financing built for Indiana
Indiana is a cost-competitive, logistics-driven investment market at the center of the eastern U.S. — the “Crossroads of America.” Indianapolis dominates the state, ringed by fast-growing donut counties like Hamilton (Carmel, Fishers, Noblesville), Hendricks, and Boone, while Fort Wayne, Evansville, the South Bend–Elkhart corridor, Lafayette, and Northwest Indiana each carry their own base of demand. New City Financial funds deals here the way investors operate — on the strength of the property and its cash flow, not a stack of personal paperwork.
Because we underwrite the asset’s income rather than your tax returns, our programs fit the realities of the Indiana market: owner-operators occupying their own industrial space, LLC-titled rentals, and out-of-state buyers drawn by entry prices well below the coasts. Whether you’re acquiring a rental in the Indianapolis metro, refinancing warehouse space near the interstates, or pulling cash out of a Fort Wayne portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Indiana investors
Every New City Financial program is available on qualifying Indiana investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Indiana
We lend on business-purpose investment and commercial real estate across Indiana — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Indiana investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Indiana? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Indiana commercial loan FAQs
Does New City Financial lend on investment property in Indiana?
Yes. We finance business-purpose investment and commercial real estate across Indiana — from Indianapolis and its donut counties (Hamilton, Hendricks, Boone, and Johnson) to Fort Wayne, Evansville, the South Bend–Elkhart corridor, Lafayette, and Northwest Indiana. Loans run from $75K to $50MM at up to 75% LTV.
Can I get an Indiana commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for Indiana’s self-employed operators and LLC-titled investors.
What credit score do I need for a DSCR loan in Indiana?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong, cash-flowing Indiana asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Indiana?
Most Indiana files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process moving so you can compete for deals across the Crossroads of America.
What loan-to-value can I get on Indiana investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance owner-occupied commercial or industrial buildings in Indiana?
Yes. In a manufacturing-heavy state where many owners occupy their own facility, owner-occupied commercial and industrial space is eligible for business-purpose financing — from small-bay flex to distribution and light-industrial buildings. Primary residences are not eligible.
Financing your Indiana deal with New City Financial
New City Financial provides business-purpose financing on Indiana investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.