Investment Property Loans
"Build your rental portfolio."
Financing for 1-4 unit rental properties. Conventional loans with income documentation, or DSCR loans without. Choose based on your situation.
15-25%
Min Down
620+
Min Credit
Up to $2M
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Buy-and-hold rental property investor
- Building a rental portfolio over time
- Can document income (or prefer DSCR route)
- Purchasing 1-4 unit investment properties
- Want flexibility between conventional and DSCR
This Might NOT Be Right If...
- Buying a primary residence (use owner-occupied programs)
- Looking for commercial 5+ unit financing
- Fix-and-flip investor (see Fix-and-Flip Loans)
- Vacation/second home (different programs available)
- Need to close in less than 21 days
Investment Property Loans Benefits
Everything you need to know about your benefits
1-4 Unit Properties
Finance single-family rentals, duplexes, triplexes, and fourplexes
Two Qualification Paths
Choose conventional (with income docs) or DSCR (property-based)
Build Your Portfolio
Scale from one rental to a full portfolio with multiple loan options
Up to $2M Financing
High loan limits for quality investment properties in competitive markets
Investor-Focused Terms
Loan structures designed for investment returns, not just homeownership
DSCR Option Available
No personal income docs needed—let the property rent qualify the loan
How It Works
Your path to homeownership in just a few simple steps
Find Your Investment Property
Identify a 1-4 unit property with strong rental potential.
Choose Your Loan Path
Use conventional (with income docs) or DSCR (property income only).
Get Pre-Approved
Lock in your rate and show sellers you are a serious investor.
Close and Cash Flow
Complete your purchase and start collecting rent.
Find Your Investment Property
Identify a 1-4 unit property with strong rental potential.
Choose Your Loan Path
Use conventional (with income docs) or DSCR (property income only).
Get Pre-Approved
Lock in your rate and show sellers you are a serious investor.
Close and Cash Flow
Complete your purchase and start collecting rent.
Types of Investment Property Loans
Choose the option that fits your situation
Conventional Investment
Use personal income to qualify. Lower rates with traditional documentation. Max 10 financed properties. Rental income helps qualification.
Learn moreDSCR Investment
Property income qualifies the loan—no personal income documentation. Unlimited properties. Slightly higher rates for maximum flexibility.
Learn moreThings to Consider
A reverse mortgage is a significant financial decision. Here's what you should understand before proceeding.
Not for Primary Residence
Investment property loans are for non-owner-occupied properties. Primary residence and second homes have different (often better) terms.
Higher Down Payment
Investment properties require 15-25% down vs. 3-5% for primary residences. This reduces lender risk on non-owner-occupied properties.
Property Limits (Conventional)
Conventional lenders typically cap financed properties at 10. Beyond that, DSCR loans offer unlimited property financing.
Rental Income Counts
75% of expected rental income can offset your debt-to-income ratio for conventional loans. DSCR uses 100% of actual/projected rent.
HUD-approved counseling is required to ensure you fully understand these factors before proceeding.
Loan Details
Documentation Required
- Standard income documentation (conventional path)
- No income docs needed (DSCR path)
- Property appraisal with rental analysis
- Lease agreements (if property is occupied)
- Reserves: 6+ months per property
Eligible Property Types
- Single-family investment homes
- Duplexes (2 units)
- Triplexes (3 units)
- Fourplexes (4 units)
- Condos (if investment-eligible)
Additional Info
- Must be non-owner-occupied
- Title must be in investor name or LLC
- Short-term rentals may require DSCR
- HOA restrictions on rentals may apply
Conventional vs. DSCR Investment Loans
| Feature | Conventional | DSCR |
|---|---|---|
| Income Documentation | Required (W-2s, tax returns) | Not required |
| Qualification Method | Personal debt-to-income | Property rental income |
| Interest Rates | Lower rates | Slightly higher rates |
| Max Financed Properties | 10 properties | Unlimited |
| Credit Score Minimum | 620+ | 660+ |
| Down Payment | 15-20% | 20-25% |
| Best For | W-2 investors starting out | Experienced investors scaling up |
* Rates and terms subject to change. Contact us for current offers.
Frequently Asked Questions
Common questions about Investment Property Loans
Last updated:
What is the difference between conventional and DSCR investment loans?
Conventional investment loans use your personal income (W-2s, tax returns) to qualify, with lower rates but a max of 10 financed properties. DSCR loans use the property rental income to qualify—no personal income docs needed—and allow unlimited properties with slightly higher rates.
How much down payment is required for investment properties?
Investment properties require 15-25% down payment, depending on the loan type and your credit profile. Conventional typically requires 15-20% for 1-unit properties, while DSCR usually requires 20-25%.
Can I use expected rental income to qualify?
Yes. For conventional loans, lenders typically count 75% of expected rent toward your income. For DSCR loans, the property rent must cover the mortgage payment (typically 1.0x DSCR or higher).
- With conventional loans, most lenders cap at 10 financed properties. DSCR loans have no property limit—you can finance as many as the properties cash flow supports.
- DSCR loans commonly allow LLC ownership. Conventional investment loans typically require personal ownership, though you may transfer to an LLC after closing (check loan terms).
- Short-term rentals often require DSCR financing since income verification is more complex. Some DSCR lenders specialize in STR properties and can use projected Airbnb income.
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Ready to Build Your Rental Portfolio?
Let us find the right investment loan for your next property
Or call us directly: (757) 558-2603