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Investment Property Loans

Looking to expand your rental income portfolio? You’re in luck! It’s never been easier to purchase investment properties. While many investors choose to obtain conventional financing on properties, those who deduct a large portion of their income would have difficulty getting approval for standard loans. For this problem, we have the perfect solution - a product that was designed specifically with investors in mind.

Our Debt-Service Coverage Ratio (DSCR) loans allow borrowers to qualify for an investment property based on the prospective monthly rental income, rather than their own income. Whether your looking to get started with rentals and build a portfolio of properties or you’re a seasoned investor and looking to take your portfolio to the next level, the DSCR loan is a great option. With this product, borrowers have the ability to finance up to 20 short-term or long-term rental properties with loans up to $2M.

While the qualifications do depend on the scenario, the minimum down payment and credit score start at 20% and 640 respectively. Similar to Jumbo loans, lenders will likely require the borrower to have cash reserves (commonly 6 months reserves) in order to prove that they can afford to make the monthly payments while the properties are uninhabited.

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