Investment Property Loans — Overview
Investment property loans are the foundation of every real estate portfolio. Whether you're buying your first rental or your fiftieth, we have the programs and lender relationships to get your deal done. From conventional investment financing to non-QM and DSCR options, we match your property and profile to the right loan — and we close fast. No limit on the number of properties you can finance through us.
Key Benefits
No Property Limit
Build a portfolio of any size. We have programs with no cap on the number of financed investment properties.
Multiple Loan Types
Conventional, DSCR, jumbo, and bridge — we match your deal to the right program and lender every time.
LLC & Entity Closing
Protect your assets and keep your portfolio organized. DSCR programs allow closing in LLC, LP, or corporate entities.
Short-Term Rental Income
Airbnb and VRBO income accepted for qualification on DSCR programs using market rent data or actual booking history.
Portfolio Loan Options
Finance multiple properties under a single blanket loan — simplify your portfolio management and reduce closing costs.
Competitive Wholesale Rates
As a mortgage broker, we shop your loan across 20+ wholesale lenders to find the most competitive rate for your investment.
How to Qualify
- ✓ Minimum 15% down for conventional investment (25% for DSCR)
- ✓ Minimum credit score of 620 (660+ for best rates)
- ✓ Property must be non-owner-occupied
- ✓ Rental income (actual or projected) used for DSCR qualification
- ✓ Full doc (W-2/tax returns) or DSCR (rental income only) options available
- ✓ No limit on number of financed properties with DSCR programs
- ✓ Single-family, 2–4 unit, condos, and short-term rentals eligible
- ✓ LLC, LP, and corporate entity borrowers accepted on DSCR programs
Frequently Asked Questions
What's the difference between a conventional investment loan and a DSCR loan?
A conventional investment loan uses your personal income (W-2, tax returns) to qualify and follows Fannie Mae/Freddie Mac guidelines — including a limit of 10 financed properties. A DSCR loan qualifies based on the property's rental income only, has no property limit, and can close in an LLC. Most serious investors use a combination of both.
How many investment properties can I finance?
With conventional loans, Fannie Mae limits you to 10 financed properties. With DSCR loans, there is no limit. Many of our clients have 20, 30, or 50+ properties financed through DSCR programs.
What down payment do I need for an investment property?
Conventional investment loans typically require 15–25% down depending on the property type. DSCR loans generally require 20–25%. Jumbo investment loans may require 25–30%. We'll find the program with the lowest down payment requirement that fits your deal.
Can I use rental income from other properties to qualify?
Yes, on full-doc conventional loans, rental income from other properties (with documentation) can be used to offset your debt-to-income ratio. On DSCR loans, only the subject property's income matters.
Ready to Get Started?
Talk to Steve or Zach today — free consultation, no credit pull required.
Loan Highlights
- Property Types SFR, 2–4 unit, Condo, MFR
- Min Down Payment 15–25%
- Min Credit Score 620
- Max Loan Amount $3,000,000+
- Close in LLC Yes (DSCR programs)
- Max Properties Unlimited
- Income Docs Full Doc or DSCR
- States All 50
- Loan Types Conv, DSCR, Jumbo, Bridge
- Short-Term Rental Eligible
