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Purchase

Investment property loans, structured for the math.

Whether you're picking up your first rental or expanding a portfolio, we'll help you size the loan, model rental income, and compare conventional, DSCR, and other investor-friendly programs.

Start your purchase quoteCall (704) 800-4719

What lenders look at

Larger down payments (typically 15–25%), stronger credit, and reserves. Some programs allow projected rental income to offset the property's payment in your debt-to-income calculation.

Tax and structure considerations

We're mortgage brokers, not CPAs — but we'll point out where you should check with your tax professional, especially for entity-titled or short-term-rental purchases.

Highlights

What you should know

Conventional investor

Standard Fannie/Freddie investor financing for 1–4 unit non-owner-occupied properties.

DSCR loans

Qualify based on the property's rent vs. expenses, with limited personal income docs.

2-4 unit purchase

House-hack a duplex, triplex, or fourplex with conventional or FHA financing where eligible.

FAQ

Frequently asked questions

Can I get a mortgage for a rental property?
Yes. Conventional investor loans for 1–4 unit non-owner-occupied properties are widely available. There are also DSCR (Debt Service Coverage Ratio) loans that qualify based on the property's rent vs. expenses with limited personal income docs.
What credit score do I need for an investment property loan?
Most conventional investor loans require a credit score of 680 or higher, with better pricing at 720+. DSCR programs typically want 660+. Specialty programs may have different requirements.
How much down payment is required for an investment property?
Conventional financing for investment properties typically requires 15–25% down for single-family rentals, with higher down payments often required for 2–4 unit properties. DSCR loans usually need 20–25% down. The exact amount depends on property type, credit, and reserves.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income vs. its monthly expenses (principal, interest, taxes, insurance, HOA), rather than your personal income. They're popular with self-employed investors and those building larger portfolios.
Can rental income help me qualify for a mortgage?
Yes. On many programs, projected or documented rental income from the subject property can offset its housing payment in your debt-to-income calculation. Existing rentals you own may also count, with documentation. We'll show you the math when we review your scenario.
Can I house-hack a duplex with a low down payment?
Yes — if you'll occupy one unit as your primary residence, you can buy a 2–4 unit property with conventional 5% down (in some cases) or FHA 3.5% down. This is one of the fastest ways to start building a rental portfolio.
Should I buy investment property under an LLC?
It depends — there are real benefits (liability separation, pass-through taxation) and trade-offs (most conforming loans require closing in your personal name). Talk to your CPA and attorney for tax/legal guidance. We can help you understand the financing side.

Talk it through with our team.

Five minutes on the phone, or a few questions online. No pressure, no credit pull required.

Start your purchase quote Call (704) 800-4719