Financing an investment property works differently than financing the home you live in. Down payment requirements are typically higher, qualification often weighs rental income differently, and there are specialized loan products — like DSCR loans — built specifically for real estate investors.
Whether this is your first rental property or your fifth, the right loan structure can make a real difference in your cash flow and long-term returns.
Key Benefits
DSCR Loan Options
Qualify based on the property's rental income rather than your personal income, for qualified investors.
Portfolio Lending
Financing structured around building or scaling a portfolio of investment properties.
Conventional Investment Financing
Traditional conventional loans remain available for single rental property purchases.
Second Home Financing
Different guidelines apply if the property is a vacation or second home rather than a rental.
Eligibility at a Glance
- Down payment requirements are generally higher than for a primary residence.
- Reserves — extra savings beyond closing costs — are typically required.
- DSCR loans evaluate the property's rental income relative to its debt obligations rather than personal income.
- Credit and experience as a landlord may factor into certain loan programs.
How It Works
A Quick Conversation
We'll talk through your goals, income, and timeline to see how a investment property loan fits your plans.
Pre-Approval
Once we've gathered your documents, you'll get a clear picture of what you can qualify for — so you can shop with confidence.
From Offer to Closing
I'll guide you through underwriting, appraisal, and closing, keeping you informed at every step.
Frequently Asked Questions
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. Instead of qualifying based on your personal income, the lender looks at whether the property's rental income covers its debt obligations — useful for investors with complex income.
How much down payment do I need for an investment property?
Typically more than for a primary residence — the exact amount depends on the loan program, property type, and your financial profile.
Can I use rental income to qualify?
In many cases, yes, whether through traditional underwriting or a DSCR-specific loan. It depends on the property and program.
Can I buy an investment property with less than 20% down?
Some programs allow less, particularly for buyers using certain conventional or DSCR structures, though 20-25% down remains common for investment financing.
How many investment properties can I finance at once?
Conventional guidelines allow financing multiple properties, though requirements become more stringent as the count increases. DSCR loans can offer more flexibility for growing portfolios.