Investment property loans
Investment property loans are business-purpose loans on property that no owner lives in. For a rentable 1-4 unit property, a DSCR loan qualified on rent versus payment is usually the main long-term option; short-term bridge financing fits properties that need work first.
Who is this loan a good fit for?
- Investors comparing long-term rental financing with short-term options
- Buyers of non-owner-occupied single-family, condo, townhome or 2-4 unit rentals
- Owners planning a renovate-then-refinance path
- Investors who prefer property-based qualification over personal income documentation
Where the ratio fits
Not every investment loan uses DSCR. Bridge and hard money loans focus on value and exit plan. Once a property is rentable, the ratio becomes the central test for long-term financing.
Business-purpose loans for non-owner-occupied investment property only. Debt Service Coverage Ratio is a mortgage broker: we arrange and shop financing from wholesale lenders, and every loan is subject to the lender's underwriting and approval.
How does this loan work?
Describe the property and the plan
Is it rentable now, or does it need work? Will you hold it long-term? The answers point to the right type of loan.
Check the ratio if it is rentable
For a rent-ready property, run the DSCR at conservative rent and full PITIA to see how a long-term loan would qualify.
We shop wholesale lenders
We compare DSCR and, where relevant, short-term programs from multiple wholesale lenders, then explain the tradeoffs.
Close with the lender you choose
We coordinate the appraisal, conditions and closing with the lender you select.
What should you expect during underwriting?
- Business-purpose and non-owner-occupancy certifications on every loan
- Credit review, asset verification and reserves
- An appraisal; for DSCR loans it includes market rent
- Entity documents if you close in an LLC
What should you check before applying?
- A property that needs major work may not qualify for long-term financing until it is rentable.
- Different loan types carry very different terms and risks; compare total cost, not just payment.
- We do not arrange loans for primary or second homes, or for personal, family or household use.
What should you know about investment property loans?
What is the difference between an investment property loan and a DSCR loan?
A DSCR loan is one type of investment property loan, qualified mainly on the property's rent compared with its payment. Other investment loans, such as bridge financing, qualify on different factors.
Can I get an investment property loan without tax returns?
DSCR programs generally qualify on the property's rent rather than personal income documents, though you still complete an application, credit review and asset verification.
Do you arrange loans for a home I will live in?
No. We only arrange business-purpose loans for non-owner-occupied investment property.
Which guides should you read next?
Which other DSCR loan options are available?
DSCR purchase loans
Buy a rental with financing sized to what the property rents for, using appraisal market rent in the ratio.
DSCR cash-out refinance
Pull equity out of a rental you own, with the larger new loan still qualifying on the property's rent.
DSCR rate-and-term refinance
Replace a rental's current loan to change its pricing, term or structure without taking meaningful cash out.
Short-term rental DSCR loans
Finance a vacation or short-term rental where the ratio may use booking history, a market projection or long-term rent.
2-4 unit DSCR loans
Finance a duplex, triplex or fourplex where the rent from every unit is combined on top of the ratio.
Ready to discuss your rental property ratio?
Send the rent, the property and what you want to do. We take the scenario to multiple wholesale lenders, show how each one reads your DSCR, and explain the tradeoffs before you commit to anything.