Quick highlights
- 1-4 unit rental properties
- Down payments typically 15-25%
- Up to 10 financed properties (Fannie/Freddie)
- Rates ~0.5-0.75% above primary residence
- Rental income can help qualify
- Cash-out refinance available
Best for:
Investors building a portfolio of 1-4 unit rental properties using conventional financing before transitioning to DSCR loans for additional properties.
How do investment loans differ from primary?
Higher down payments (typically 15-25% vs. 3-20%), slightly higher rates, and stricter qualifying. The good news: 75% of expected rental income usually counts toward qualifying, so investment properties can be more accessible than people expect.
Ready to see what you qualify for?
Every situation is different. Let's talk through your specific scenario and shop it across our lender network for the best terms.