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1–4 unit rentals · Nationwide

Financing for 1–4 unit investment property.

Build or grow a rental portfolio with financing sized around the deal — conventional and non-QM options for non-owner-occupied 1–4 unit property, nationwide.

Submit my deal Call 480-588-0397

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.

Underwriting a deal yourself? Grab our free BRRRR & fix-and-flip deal analyzer — Maximum Allowable Offer, DSCR, cash-on-cash, and a 5×5 sensitivity grid in one spreadsheet. Get the free spreadsheet →

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.

Submit your deal

One screen, no wizard. If it fits, you will hear back the same business day. 9 required answers, the rest optional.

Private and hard-money lending is Arizona only. In a hurry? Call 480-588-0397.