Investment property loans designed for real estate investors. Finance rental properties, multi-family buildings, and grow your portfolio with flexible financing options.
We specialize in financing for real estate investors building wealth through rental income and property appreciation.
Qualify based on rental income, not personal income. No tax returns or employment verification required.
Finance 2-4 unit properties designed for portfolio growth and cash flow.
Access competitive rates through our extensive lender network of investor-focused programs.
Close quickly to secure deals before the competition with streamlined processing.
No limit on financed properties. Scale your portfolio with unlimited financing options.
Bank statement and asset-based programs for investors with complex income situations.
According to Fannie Mae, multiple financing options exist for real estate investors.
Qualify based on the property's rental income, not your personal income.
Traditional financing with competitive rates for qualified borrowers.
Use 12-24 months of bank statements instead of tax returns.
Held in-house by lenders with flexible guidelines for unique scenarios.
Understanding the requirements helps you prepare for a successful purchase. The Consumer Financial Protection Bureau provides resources for understanding mortgage options.
Investment property loans typically require larger down payments than owner-occupied financing:
According to Freddie Mac research, rental property financing generally requires higher credit scores than primary residence loans. Most programs require 620-680 minimum, with better rates available at 720+.
Lenders require cash reserves to ensure you can handle vacancies and repairs:
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.
Documentation varies by program type:
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.
We specialize in helping real estate investors grow their portfolios with flexible financing solutions.