Finance the Next Property
in Your Portfolio
Investment-property loans help you purchase income-producing real estate. Whether you’re buying your first rental or scaling your holdings, it starts with a short conversation about your goals.
What Is an Investor Loan?
An investor loan is financing for property you intend to rent out or hold for income rather than live in yourself. Because lenders view investment properties as carrying more risk than a primary home, the terms — down payment, credit expectations, and reserves — usually differ from a standard home loan.
People pursue investor loans for many reasons: to buy a first rental, to add a multi-unit property, or to keep momentum going on a growing portfolio. The right structure depends on your strategy — and the numbers only work when the property's income comfortably supports the loan.
That's where the right guidance matters. Understanding your options up front helps you choose a loan that fits the way you actually plan to use the property.
Rental Property Loans
Financing for single-family and multi-unit homes you intend to rent out for long- or short-term income.
Multi-Unit Properties
Duplexes, triplexes, and fourplexes let one purchase carry multiple income streams — and one loan can cover the whole property.
Rental-Income Qualifying
Some programs qualify you on a property's projected rental income rather than personal pay stubs or tax returns.
Portfolio Strategy
Plan financing across multiple properties so you can grow your holdings without losing momentum.
DSCR Loans: Purchase, Refinance, and Cash-Out
A DSCR loan (debt service coverage ratio) qualifies you on the property’s rent versus its payment — not your personal tax returns or pay stubs. If the rent covers the mortgage, the deal can stand on its own. It’s the workhorse loan for self-employed investors, portfolio builders, and anyone whose tax returns understate their real cash flow. DSCR is one of several non-QM options we offer investors.
DSCR Purchase
Buy your next rental with the property’s projected rent doing the qualifying. Many programs allow closing in an LLC.
DSCR Refinance
Replace a rental’s current loan with a better rate or term — qualified on the rent, not your personal income.
DSCR Cash-Out
Pull equity out of a rental to fund the next acquisition. Texas’s homestead cash-out restrictions don’t apply to investment property, so guidelines are more flexible than on your own home.
Common Misconceptions About Investor Loans
A lot of would-be investors talk themselves out of a purchase based on things they've heard that aren't quite accurate. Here are a few worth clearing up.
You need to be wealthy or experienced to buy a rental.
Many first-time investors start with a single property. What matters most is a sound plan and a property whose income supports the loan.
You can only finance a handful of properties.
Some loan types are designed specifically for investors building a larger portfolio, beyond the limits of conventional financing.
You always have to document personal income.
Certain programs qualify based on the property's rental income instead, which can suit self-employed buyers or those with complex income.
Strategy Matters as Much as the Loan
An investor loan is a tool, and how well it works depends on whether it fits your plan. That's why the conversation with your loan officer matters as much as the product itself.
A good loan officer asks about where you're headed: how long you plan to hold the property, your cash-flow goals, your tolerance for vacancy, and how this purchase fits the bigger picture. Those answers shape which loan makes sense.
If you're unsure whether an investment property is the right move, that's exactly the kind of question a straightforward conversation can answer. You don't need all the answers before you reach out.
Investor Questions, Answered
Investment properties typically require a larger down payment than a primary home. The exact amount depends on the loan type, property, and your overall profile.
Some programs are designed to qualify you on the property's projected rental income rather than personal pay stubs or tax returns. It's one of several paths available.
Yes. Certain loan types are built specifically for investors growing a portfolio, beyond the limits that apply to conventional loans.
Generally, yes — lenders price for the added risk of a non-owner-occupied property. Strong credit and a larger down payment improve your pricing, and we'll show you the trade-offs for your scenario.
A loan qualified on the property's debt service coverage ratio — its rent versus its payment — instead of your personal income documents. Available for purchases, refinances, and cash-out on investment property, often with LLC vesting allowed.
Information provided is general in nature and for educational purposes only. Down payment, credit, reserve, and qualifying requirements vary by loan type and are subject to change without notice. Not all borrowers will qualify. This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.
Ready to Run the Numbers?
Tell us about the property and your plan. We'll walk you through the financing paths that fit — at no cost and no obligation.
