Loan program
Investment Property Loans
Financing for rental properties, vacation rentals, and small multifamily.
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.
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.
What it gives 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.
How it runs, start to finish
- 1
Strategy Call
We learn your investment goals and choose the right program.
- 2
Pre-Approve
Get a written pre-approval letter for offers.
- 3
Rent Analysis
Appraiser provides a rent schedule confirming property cash flow.
- 4
Close
Typical 25–35 day closings on investment files.
Questions people ask about this one
How much down for an investment property?
Conventional: 15–25%. DSCR: 20–30%. Stronger down payments earn better rates.
What's a DSCR loan?
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.
How many can I have?
Conventional caps at 10 financed properties. Portfolio and DSCR products have no cap.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
