Investment Property Loan

Investment property financing covers loans for the purchase of non-owner-occupied properties — homes, condos, or small multifamily buildings purchased as rentals or income-producing assets. Conventional investment property loans follow Fannie Mae and Freddie Mac guidelines, using personal income documentation (tax returns, W-2s, or pay stubs) to qualify. They require larger down payments and carry higher pricing than owner-occupied loans, but offer the predictability of standard underwriting. For investors who prefer not to rely on personal income — or whose tax returns don't reflect actual cash flow — DSCR (Debt Service Coverage Ratio) loans are an alternative. DSCR loans qualify based on whether the property's rental income covers its mortgage payment, without requiring personal income documentation. Bank statement loans are a third option for self-employed investors who have strong cash flow but complex tax situations. Investment property lending involves more complexity than primary residence financing. Reserve requirements, property eligibility, and the number of financed properties all factor into the decision. We can help you identify which approach fits your investment strategy and financial profile.