Investor loans are designed for buyers purchasing rental or income-producing properties. Whether you’re acquiring your first rental or expanding a portfolio, these programs may offer qualification options aligned with real estate investing.
Depending on the program, eligibility may consider factors such as the property’s rental income, your overall financial profile, and asset reserves—rather than relying only on traditional W-2 income.
Real estate investor mortgage programs may be available for purchases or refinances on qualifying investment properties.
Some options use a Debt Service Coverage Ratio (DSCR) approach, which evaluates whether the property’s projected rental income is sufficient to cover the monthly housing payment. Other investor programs follow conventional investment property guidelines, while certain non-QM options may provide additional flexibility based on the borrower and property scenario.
We’ll help you understand your options, documentation requirements, and next steps—starting with our Investor Loan Qualifier.
1. Apply
2. Get Approved
3. Verify
4.Close
5.Fund