Finance Any Investment Property
From single-family rentals to multi-unit buildings, we have programs for every property type
- Up to 85% LTV
- No income verification
- Close in 21 days
- Higher cash flow
- DSCR as low as 0.75
- Portfolio loans available
- Non-warrantable OK
- Investor-friendly HOAs
- Vacation rentals
- Use projected income
- STR experience helps
- 12-month history OK
Investment Property Loan Options
Multiple programs designed specifically for real estate investors
Built for Real Estate Investors
We understand the unique needs of property investors
No Personal Income Required
Qualify based on property rental income, not your W-2s or tax returns
Fast Closings
Close in as little as 21 days with streamlined underwriting
Unlimited Properties
No cap on the number of financed properties in your portfolio
LLC & Entity Vesting
Close in your LLC, corporation, or trust for asset protection
Interest-Only Options
Maximize cash flow with interest-only payment periods
Foreign Nationals Welcome
ITIN and foreign national programs available
Calculate Your Property's DSCR
DSCR (Debt Service Coverage Ratio) measures whether your property's rental income covers the mortgage payment. A DSCR of 1.0 means the rent exactly covers the payment.
DSCR Formula:
PITIA = Principal + Interest + Taxes + Insurance + Association dues
Example Calculation
This property qualifies for the best DSCR rates with a ratio above 1.25
Investment Property Loan Questions
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income rather than your personal income. If the property's rent covers the mortgage payment (DSCR of 1.0 or higher), you can qualify regardless of your employment or tax returns.
Most investment property loan programs require a minimum credit score of 620. However, better rates are available for scores above 700. Some programs accept scores as low as 580 with higher down payments.
Investment property loans typically require 15-25% down payment. DSCR loans often require 20-25% down, while bank statement loans may allow as little as 15% down for qualified borrowers.
Yes! Unlike conventional loans which limit you to 10 financed properties, our Non-QM programs have no limit on the number of properties you can finance. Many investors have 20, 50, or even 100+ properties.
Absolutely. We offer specialized programs for short-term rental properties. We can use projected rental income from platforms like AirDNA or actual 12-month rental history to qualify.
Yes. We allow vesting in LLCs, corporations, trusts, and other legal entities. This is important for asset protection and tax planning for real estate investors.
What's Inside:
- Complete DSCR calculation worksheet
- Property type requirements guide
- LLC vesting and entity structure tips
- Rate comparison across loan programs
- Common mistakes to avoid