Loan programs
Investment property and DSCR loans
Buying your first rental or adding to a portfolio? Our principals have spent decades investing in and developing real estate themselves, so we understand investment financing from the owner's side of the table — cash flow, reserves, entity ownership and exit plans, not just the loan paperwork.
Reviewed by Clint Aguon, CEO & Loan Officer · NMLS #1893008 · Updated September 2026
Two main ways to finance a rental
Conventional investment property loans qualify you on your personal income and debts, using tax returns and documented rental income. They often have lower pricing for investors who show strong income on paper, with limits on how many financed properties you can hold.
DSCR loans qualify based on the property instead of your personal income. The lender compares the property's expected rent with its monthly housing payment — the debt-service coverage ratio. There are no personal tax returns or pay stubs to document, which suits self-employed investors, those with many properties, and anyone whose tax returns understate their cash flow.
| Feature | Conventional investment | DSCR |
|---|---|---|
| Qualifies on | Your personal income and debts | The property's rental income |
| Tax returns | Required | Not required |
| Can close in an LLC | Generally no | Often yes |
| Number of properties | Limited by agency rules | Typically no set cap |
| Pricing | Usually lower | Usually higher |
What we can finance
- Single-family rentals, condos and townhomes
- 2–4 unit properties, including buying one unit to live in
- Short-term rentals (lender guidelines vary)
- Cash-out refinances to pull equity for your next purchase
- Portfolio growth for experienced investors
What lenders look for
Down payment and credit requirements for investment loans are stricter than for a home you live in, and most lenders want reserves after closing. The rules vary widely from lender to lender — which is exactly why comparing dozens of lenders matters for investors.
Other non-QM options
We also arrange bank statement loans and asset-based loans for borrowers whose income doesn't fit traditional documentation, for both investment properties and homes you live in.
Flipping or building?
For short-term projects, see fix-and-flip loans for buying and renovating, and construction loans for ground-up builds and major additions.