Financing built around the deal, not just the borrower
Investment property financing works differently than a primary residence purchase. The right loan depends on your property type, income structure, portfolio size, and strategy — and getting that match right from the start makes everything easier.
Investment financing options we work with
There's no single best product — the right loan depends on your profile, property, and goals. Here's an overview of the main categories.
DSCR Loans
Debt Service Coverage Ratio loans qualify based on the rental income of the property — not your personal income or tax returns. This makes them ideal for self-employed investors, those with complex financials, or anyone who wants to keep their personal and investment finances separate.
Learn about DSCR loansConventional Investment Loans
Traditional Fannie/Freddie-backed investment property loans. These use personal income to qualify and typically require 15–25% down, but offer competitive rates for investors with strong W-2 income or documented self-employment earnings. Capped at 10 financed properties per borrower.
Portfolio & Non-QM Loans
Held by the lender rather than sold to the secondary market, portfolio loans offer more flexibility — useful for investors who don't fit the conventional mold due to property type, income documentation, or loan count. Non-QM products fill similar gaps with alternative qualification methods.
Hard Money & Bridge Loans
Short-term, asset-based financing for acquisitions, fix-and-flip projects, or transitional properties. Higher rates but faster closes and more lenient qualification. Typically used when speed matters more than cost, or when the property doesn't qualify for long-term financing in its current condition.
Program availability, rates, and qualification requirements vary by lender and are subject to change. This overview is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for guidance specific to your situation.
Factors that shape your financing options
Property type affects your options
Single-family rentals, 2–4 unit properties, multifamily (5+ units), short-term rentals, and mixed-use properties each have different financing landscapes. Not every lender works with every property type — we match you with professionals who specialize in yours.
LLC vs. personal title
Holding investment properties in an LLC is common for liability protection, but it affects your financing options. Conventional loans generally require personal vesting, while DSCR and portfolio lenders often accommodate LLC transactions. Understanding the trade-offs early saves complications at closing.
Scaling past 10 properties
Conventional financing caps at 10 financed properties per borrower. Investors building larger portfolios need to plan ahead — DSCR, portfolio, and commercial products don't carry this limit. We connect investors at every stage with lenders who understand where they're headed.
Tell us about your deal
Whether you're buying your first rental or expanding an existing portfolio, we'll connect you with the right financing professional for your strategy.