Investment property financing works differently from a primary-residence purchase, and one lender's rental-property guidelines are rarely the only option. As an independent broker, we compare structures across multiple lenders so your strategy, not one bank's appetite, drives the plan.
Investor financing paths we work with
- DSCR loans - qualify using the property's rental income (debt service coverage ratio) instead of your personal income documentation.
- Conventional investment financing - for borrowers who prefer to qualify with traditional income documentation on a rental purchase or refinance.
- Cash-out refinance for portfolio growth - tap equity in an existing property to fund a down payment on the next one.
- Multi-property and portfolio strategy - sequencing purchases and refinances as a portfolio grows, not just one file at a time.
Who this usually fits
- Landlords buying their first or fifth rental property
- Self-employed investors whose tax returns understate cash flow
- Out-of-state or out-of-country investors targeting Central Florida rental markets
- Borrowers converting a primary residence into a rental and buying a new primary
Frequently asked questions
What is a DSCR loan?
DSCR stands for debt service coverage ratio. Instead of reviewing your personal income, the lender looks at whether the property's rental income covers its debt payments. See our DSCR loans page for more detail.
How many financed properties can I have?
Limits vary by program and lender. DSCR and portfolio-style programs are often more flexible than conventional investment guidelines. We confirm current limits for your scenario.
Can I use rental income from the new property to qualify?
Often, yes, especially with DSCR-style programs built specifically for that purpose. We will walk through how it is calculated for your file.