Investor Loans & DSCR Financing

Financing for rental properties and real estate investors, including DSCR loans that qualify on the property’s rent instead of your tax returns.

DSCR loans
DSCR estimator
Bank statement & asset-based
Fix & flip, portfolio

The problem

“I HAVE NO INCOME, I HAVE CASH TO CLOSE. I WANT TO BUY INVESTMENT PROPERTIES!!”

Maybe you’re self-employed, retired, or your tax returns show heavy write-offs. Either way, a traditional loan wants personal income documents you can’t easily provide, even though the property itself can pay its own way.

The solution

DSCR (Debt Service Coverage Ratio) Loans

A DSCR loan qualifies you based on the cash flow of the rental property rather than your personal income. The lender compares the property’s rent to its monthly payment. When the rent covers the payment, the property can support the loan.

Qualify on the property’s rental income
No personal income documents or tax returns needed
Rent should be equal to or greater than the payment
Cash to close and reserves are required
Long-term rentals; short-term rental options may be available
Purchase or refinance, including cash-out options
Single-family and small multifamily properties
Close in your own name or an LLC, where available

Ask about a DSCR loan Estimate your property’s DSCR →

Quick estimator

Does the rent cover the payment?

Enter the monthly rent and the full monthly payment you expect (principal and interest, property taxes, insurance and HOA). This simple ratio is the starting point for a DSCR conversation.

Estimate only, using numbers you enter. Lenders calculate DSCR with their own rent and expense figures, and each program sets its own minimum ratio. Not an offer to lend.

More ways to qualify

Non-traditional income? There’s still a path.

These options are built for self-employed borrowers, investors and people whose wealth isn’t in a paycheck.

“I SHOW NO INCOME, BUT I HAVE SOME MONEY.”

Bank Statement Loans

For self-employed borrowers whose tax returns don’t reflect what they really earn.

12 or 24 months of bank statements instead of tax returns
Business or personal statements accepted
A portion of your deposits is used as qualifying income
For primary homes, second homes and investment properties

“I HAVE NO INCOME, I HAVE INVESTMENTS. I WANT TO FINANCE A HOME!!”

Assets as Income (Asset-Based)

Qualify using your liquid assets, like savings, investment and retirement accounts.

Eligible assets are converted into a monthly qualifying income
Assets remaining after closing must comfortably exceed the loan amount
No employment income documents needed
Can be combined with other income

“I HAVE EQUITY, BUT MY RATE IS TOO GOOD TO REFINANCE.”

HELOC or Home Equity Loan

Tap the equity in your home for a down payment on an investment property without touching your first mortgage.

HELOC: a line of credit you can draw on and reuse
Home equity loan: one lump sum with a fixed payment
Your home secures the loan, so borrow with a plan

Growing a portfolio

Flipping, building and scaling up

“I WANT TO FLIP HOMES!”

Fix and Flip Loans

Short-term financing to buy, renovate and resell, for investors with previous flip or build experience.

Interest-only payments
Financing based on total project cost
No income documentation necessary
Cash to close and reserves required

Portfolio & Investment Property Loans

For investors with several properties. Portfolio (blanket) loans can finance multiple properties under one loan, which can simplify management.

Conventional investment property loans
Portfolio / blanket financing
Come prepared: property list with income and expenses

“I’M A BUILDER AND I WANT TO BUILD MY OWN HOMES OR PROPERTIES!”

Builder Construction Loans

Finance the material and labor costs of your own single-family or multifamily projects, with interest-only payments during construction.