Ken Starks · Independent mortgage broker · Investment property loans
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.
1–4 unit properties · DSCR programs · No tax returns · Nationwide lending
The advantage
Why choose our investment property loans?
We specialize in financing for real estate investors building wealth through rental income and property appreciation.
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DSCR programs
Qualify based on rental income, not personal income. No tax returns or employment verification required.
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Multi-unit financing
Finance 2-4 unit properties designed for portfolio growth and cash flow.
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Competitive rates
Access competitive rates through our extensive lender network of investor-focused programs.
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Fast closings
Close quickly to secure deals before the competition with streamlined processing.
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Portfolio building
No limit on financed properties. Scale your portfolio with unlimited financing options.
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Self-employed friendly
Bank statement and asset-based programs for investors with complex income situations.
The programs
Investment property loan programs
Multiple financing options exist for real estate investors. Here are the programs I originate most frequently.
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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
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Conventional
20-25% down
- Traditional financing with competitive rates
- Strong pricing available for qualified borrowers
- Up to 10 financed properties
- 620+ credit score required
- Full income documentation
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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
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Portfolio
Unlimited properties
- Held in-house by lenders
- No property count limits
- Custom underwriting available
- Creative financing solutions
- Flexible guidelines for unique scenarios
What you'll need
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 are 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 loan quick facts
Scale your portfolio with the right program
I will match your deal to the best investor program, DSCR, bank statement, conventional, or portfolio, and give you an honest recommendation.
Compare your options
Compare related programs
Investment property loan FAQs
Common questions from real estate investors
Common questions from real estate investors about financing rental and investment properties.
What are investment property loans?
How much down payment do I need?
Can I qualify without tax returns?
What is DSCR?
How many properties can I finance?
What credit score do I need?
Ready to apply for investment property loans?
We specialize in helping real estate investors grow their portfolios with flexible financing solutions.
The Starks Team · Ken Starks, Independent Mortgage Broker · Equal Housing Lender. This is not a commitment to lend. Investment property loan pricing, down payment, and reserve requirements vary by lender and program and depend on individual qualification.