Real Estate Investors
Investment & DSCR Loans
Grow your portfolio. We offer traditional investment mortgages and DSCR loans that qualify based on the property's rental income, not your personal tax returns.
15-25%
Down Payment Range
1-4
Units Allowed
DSCR
No Income Verification Option
LLCs
Allowed on Portfolio Loans
Two Ways to Finance
We offer both standard Fannie Mae investment loans and private investor DSCR products.
Traditional Investment
Standard conventional loans backed by Fannie Mae/Freddie Mac. Requires full documentation of your personal income, W2s, and tax returns.
- Better interest rates
- Must close in your personal name
- Strict limits on number of financed properties
- 15% down minimum for single family
DSCR (Debt Service Coverage Ratio)
The ultimate tool for scaling a portfolio. Qualification is based entirely on the property's projected rental income, completely ignoring your personal DTI.
- No tax returns or W2s required
- Can close in an LLC for liability protection
- Unlimited number of financed properties
- 20-25% down minimum
How DSCR is Calculated
If the property pays for itself, it qualifies.
Expected Rent
$2,000
÷
PITI Payment
$1,600
=
DSCR Ratio
1.25
Most lenders require a DSCR ratio of 1.0 or higher (the rent covers the exact mortgage payment). Ratios below 1.0 are possible with higher down payments.