How much down for an investment property?

Conventional: 15-25%. DSCR: 20-30%. Stronger down payments earn better rates.

A loan that qualifies based on the property's rental cash flow (DSCR ≥ 1.0) rather than your personal income.

Can I do short-term rentals (Airbnb)?

Yes - with DSCR or portfolio programs that count projected STR income.

Conventional caps at 10 financed properties. Portfolio and DSCR products have no cap.

Loan option

Investment Property Loans

Whether you're buying your first rental or scaling a portfolio, we offer conventional, DSCR, and portfolio investment loans with structures built for real estate investors.

Get a quote Pre-qualify

What Investment Property Loans actually is.

Real estate investing demands a lender who speaks investor. Our team funds first rentals, BRRRR projects, vacation rentals, and full portfolios.

Most beginners use Fannie Mae conventional financing for the first few rentals - best rates, traditional documentation. Beyond that, DSCR loans (which qualify on property cash flow rather than personal income) are usually the best move.

We offer both programs and shop the right balance sheet for your scenario. The investor-friendly small print matters: vesting in an LLC, escrow waivers, prepayment options, blanket loans - we handle all of it.

Illustrative sample figures for a template demonstration. Not a rate quote, not an offer to lend, and not live market data.

Who this fits

First-time landlords buying a rental
Vacation rental and short-term rental owners
Investors scaling beyond conventional limits
Buyers who want to use rental income to qualify

Check whether you qualify

What this program buys you.

Multiple Programs: Conventional, DSCR (debt-service coverage), bank statement, and portfolio loans.
Rental Income Counts: Most programs let projected rent help you qualify.
No Personal Income Required (DSCR): DSCR loans qualify on the property's cash flow, not your W-2.
Scale Beyond 10 Properties: Portfolio products keep funding when Fannie/Freddie caps are hit.

The process

Four moves from first call to keys.

Each step has one job and one owner. You always know which of the four the file is sitting in.

01Strategy CallWe learn your investment goals and choose the right program.
02Pre-ApproveGet a written pre-approval letter for offers.
03Rent AnalysisAppraiser provides a rent schedule confirming property cash flow.
04CloseSign, fund and record. Investment files carry their own reserve and rent-schedule conditions.

Questions this program raises.

If yours is not here, ask it. You will get an answer in writing from the officer who would work the file.

Other programs

Get this priced against your own file.

Tell us the scenario and we will come back with real figures for Investment Property Loans, and for the programs you did not ask about, so you can see all of them at once.