🏢 INVESTMENT LOANS
Build Your Real Estate Empire
Financing designed for investors, not owner-occupants. Rental properties, fix & flip, commercial, and portfolio solutions.
Investor-Focused • DSCR Specialists
Last reviewed: January 2026Reviewed by CMS Mortgage Editorial Team
No Personal Income Docs (DSCR)
Close in LLC
Unlimited Properties
Portfolio Lending
5 Loan Options
Find Your Perfect Investment Property Loan
Compare products and find the perfect fit for your needs
Quick Comparison
Compare at a Glance
| Product | Property Type | Down Payment | Income Docs |
|---|---|---|---|
DSCR Loan | 1-4 units, STR | 20-25% | None (rental only) |
Conventional | 1-4 units | 15-25% | Full docs |
Fix & Flip | Rehab projects | 10-20% ARV | Experience-based |
Commercial | 5+ units, CRE | 20-30% | Business docs |
Second Home | Vacation property | 10% | Standard |
DSCR Loan
- Property Type
- 1-4 units, STR
- Down Payment
- 20-25%
- Income Docs
- None (rental only)
Conventional
- Property Type
- 1-4 units
- Down Payment
- 15-25%
- Income Docs
- Full docs
Fix & Flip
- Property Type
- Rehab projects
- Down Payment
- 10-20% ARV
- Income Docs
- Experience-based
Commercial
- Property Type
- 5+ units, CRE
- Down Payment
- 20-30%
- Income Docs
- Business docs
Second Home
- Property Type
- Vacation property
- Down Payment
- 10%
- Income Docs
- Standard
INVESTOR FAVORITE
Why Investors Love DSCR
The loan that qualifies on property income, not personal income.
No tax returns. No pay stubs. No W-2s. DSCR loans qualify based on the property's rental income covering the mortgage payment. Own unlimited properties. Close in your LLC. Scale your portfolio without income limitations.
$0
Down Payment
$0
PMI Ever
21-Day
Avg Close Time
Top 50
National Brokerage
FAQ
Frequently Asked Questions
Ready to Grow Your Portfolio?
Get investor-focused financing options