Financing for rentals and investment properties
Single-family rentals, 2 to 4 units, short-term rentals and portfolios. Qualify on personal income or on the property’s rent with DSCR loans.
- DSCR LOANS
- Qualify based on the property’s rental income
- PROPERTY
- 1 to 4 units, condos, short-term rentals
- ENTITIES
- Personal name or LLC options
Investment loan options
DSCR loans
Qualify mainly on the property’s rent compared with its payment.
Conventional investment
Standard financing for investors with documented income.
2 to 4 units
Including options to live in one unit and rent the others.
Short-term rental
Programs that consider vacation rental income.
Portfolio and blanket
Finance several properties together.
Program availability, terms and eligibility vary by lender and are subject to underwriting approval.
What you'll need
- Property address and details
- Leases or a market rent estimate
- Reserves (months of payments in savings)
- LLC documents if buying in an entity
- Your experience as an investor, if any
Payment & DSCR
Estimate the payment and see how the rent covers it before you make an offer.
Open the calculatorCommon questions
What is a DSCR loan?
A loan that looks mainly at whether the property’s rent covers its payment, rather than your personal income.
Can I buy in an LLC?
Many investment programs allow vesting in an LLC. Requirements vary by lender.
How much down for an investment property?
Investment loans generally require more down than primary homes. The amount depends on the program and property.
Tell us about your next investment
No obligation, and no credit check for the first conversation. A licensed loan officer will reach out within one business day, or pick a time that works for you.