Who it’s for
Investors buying or refinancing single-family rentals, duplexes, triplexes, and fourplexes anywhere in the U.S. Whether you qualify the traditional way (income + rent) or prefer a cash-flow-based DSCR loan, we’ll match the structure to your goals.
Ways to finance the deal
- Conventional investor loansCompetitive terms for qualified borrowers, with rental income counted toward qualifying.
- DSCR (cash-flow) optionQualify on the property’s rent vs. payment instead of personal income — see DSCR.
- Cash-out to scaleTap equity in one rental to fund the down payment on the next.
- Portfolio-minded guidanceA specialist who thinks about your next three deals, not just this one.
General guidelines
Typical starting points — investor terms vary by program, leverage, and property. Your specialist confirms the fit.
Down payment
15%–25%
Higher for 2–4 units and cash-out; varies by program.
Credit score
640+
Better pricing at higher scores.
Reserves
Often required
A few months of payments in reserve is common for investment property.
Common questions
Does rental income help me qualify?
Yes. On conventional investor loans, a portion of market or lease rent typically counts toward qualifying. On a DSCR loan, the property’s cash flow qualifies the deal on its own.
How many rentals can I finance?
Conventional financing has a property limit, but DSCR and portfolio options don’t — we’ll pick the path that lets you keep scaling.
Can I close in an LLC?
On DSCR and business-purpose loans, yes. Conventional loans usually require individual vesting — your specialist will lay out the trade-offs.
Where do you lend?
Investment-property financing is a business-purpose loan and we offer it nationwide.
Ready when you are
Let’s finance your next rental.
Answer a few quick questions and an investor specialist will follow up with real numbers.