Investment Property Loans: Finance Your Portfolio, Your Way
Investment property loans designed for real estate investors. Finance rental properties, multi-family buildings, and grow your portfolio with flexible financing options.
Why Choose Our Investment Property Loans?
We specialize in financing for real estate investors building wealth through rental income and property appreciation.
DSCR Programs
Qualify based on rental income, not personal income. No tax returns or employment verification required.
Multi-Unit Financing
Finance 2-4 unit properties designed for portfolio growth and cash flow.
Competitive Rates
Access competitive rates through our extensive lender network of investor-focused programs.
Fast Closings
Close quickly to secure deals before the competition with streamlined processing.
Portfolio Building
No limit on financed properties. Scale your portfolio with unlimited financing options.
Self-Employed Friendly
Bank statement and asset-based programs for investors with complex income situations.
Investment Property Loan Programs
Multiple financing options exist for real estate investors. Here are the programs I originate most frequently.
📊 DSCR
No Tax Returns Required
- Qualify based on property's rental income
- 1.0+ DSCR ratio typically required
- No employment verification
- Unlimited properties allowed
- 20-25% down payment
🏛️ Conventional
20-25% Down
- Traditional financing with competitive rates
- Best rates available for qualified borrowers
- Up to 10 financed properties
- 620+ credit score required
- Full income documentation
💼 Bank Statement
Self-Employed Investors
- 12-24 months of bank statements
- Personal or business statements accepted
- Flexible income calculation
- Great for business owners
- 20-25% down typically required
🏦 Portfolio
Unlimited Properties
- Held in-house by lenders
- No property count limits
- Custom underwriting available
- Creative financing solutions
- Flexible guidelines for unique scenarios
Investment Property Loan Requirements
Understanding the requirements helps you prepare for a successful purchase. The Consumer Financial Protection Bureau provides resources for understanding mortgage options.
Down Payment Requirements
Investment property loans typically require larger down payments than owner-occupied financing:
- Conventional: 20-25% down payment
- DSCR: 20-25% down payment
- Portfolio: 15-25% depending on lender
- Bank Statement: 20-25% typically required
Credit Score Requirements
Rental property financing generally requires higher credit scores than primary residence loans. Most programs require 620-680 minimum, with better rates available at 720+.
Cash Reserve Requirements
Lenders require cash reserves to ensure you can handle vacancies and repairs:
- 6 months reserves per property for most programs
- Reserves can include: savings, retirement accounts, stocks
- Gift funds: typically not allowed for reserves
DSCR: The Investor's Advantage
DSCR (Debt Service Coverage Ratio) financing is a game-changer for investors. Qualify based on the property's rental income divided by the mortgage payment. A DSCR of 1.0 means rent covers the payment. No tax returns, no employment verification, no income limits. Learn more about our Non-QM loan programs including DSCR.
Documentation by Program Type
- Conventional: Tax returns, W-2s, pay stubs, bank statements
- DSCR: Appraisal with rent schedule, bank statements for reserves
- Bank Statement: 12-24 months statements, no tax returns needed
- All Programs: Credit report, property appraisal, title insurance
Investment Property Loan FAQs
Common questions from real estate investors about financing rental and investment properties.
These are mortgages designed to finance rental properties, multi-family buildings, and other real estate investments. Unlike owner-occupied financing, these are for properties you won't live in as your primary residence.
Most programs require 20-25% down payment. Some portfolio lenders offer 15% down options for strong borrowers. The larger down payment offsets the higher risk of non-owner-occupied properties.
Yes! DSCR loans qualify based on the property's rental income, not your personal income. No tax returns, W-2s, or employment verification required. This is ideal for self-employed investors or those with complex tax situations.
DSCR (Debt Service Coverage Ratio) compares the property's rental income to its mortgage payment. A DSCR of 1.25 means rent is 125% of the payment. Most programs require 1.0-1.25 DSCR minimum.
Conventional loans limit you to 10 financed properties. DSCR and portfolio programs have no property limits — you can finance as many as you qualify for.
Most programs require 620-680 minimum credit score. DSCR programs may accept lower scores with larger down payments. Better rates are available at 720+ credit scores.
Ready to Apply for Investment Property Loans?
We specialize in helping real estate investors grow their portfolios with flexible financing solutions.