Common financing paths
Qualified investors may compare conventional loans using personal income, DSCR programs focused on eligible property cash flow, portfolio loans, short-term acquisition or renovation financing and other business-purpose options.
- Conventional investment-property mortgages
- DSCR rental-property loans
- Portfolio and multi-property financing
- Fix-and-flip or bridge financing
- Short-term-rental programs
- Commercial or mixed-use solutions where available
What lenders evaluate
Investment loans commonly require larger down payments or reserves than primary-residence financing. Lenders may review experience, credit, liquidity, property condition, market rent, lease terms, entity structure and the number of financed properties.
Match the financing to the plan
Acquisition, renovation, stabilization and long-term holding may call for different loan structures. Compare recourse, rate type, prepayment terms, draw requirements, closing costs and the expected exit before choosing a product.
Common questions
Frequently asked questions
Can rental income help qualify for an investment-property loan?
Eligible current or projected rental income may be considered under program-specific documentation and calculation rules.
How much down payment does an investor need?
Required equity varies by program, property, credit, experience and transaction. Investment-property programs often require more equity than eligible primary-residence loans.
What is the difference between DSCR and conventional investor financing?
Conventional financing generally evaluates the borrower’s personal qualifying income and debts. A DSCR program typically focuses more heavily on eligible property cash flow, while still reviewing credit, assets, property and other requirements.