Residential Investment Property Loans | Refinance or Purchase 1-4 Unit Properties

Whether you're acquiring your first duplex or refinancing a 200-property SFR portfolio, getting the right lender matters more than getting the lowest headline rate. We specialize exclusively in investment property loans for 1-4 unit residential rentals -- single-family homes, duplexes, triplexes, four-plexes, condos, and townhomes. Loan amounts from $500K to $25M, LTVs up to 80%, and zero personal DTI requirements. We underwrite based on the property's income, not yours.

Apply Online 888-375-7977

Why Refinance or Purchase Investment Property Now?

Rental property values across most markets have appreciated significantly over the past several years. For investors carrying older mortgages, that means substantial equity sitting idle in properties that could be working harder. Refinancing lets you access that equity through a cash-out, lock in better terms, or consolidate multiple loans into a single blanket mortgage that simplifies your entire operation.

For acquisition-focused investors, the dynamics are equally compelling. Rising rents in most metros mean the cash-flow math on new purchases pencils out well, especially with DSCR-based lending that doesn't require personal income documentation. You don't need a W-2 or two years of tax returns -- just a property that generates enough income to cover the debt service.

What Property Types Do You Finance?

We finance the full range of 1-4 unit residential investment properties. That includes single-family rental homes, duplexes, triplexes, four-plexes, condos, townhomes, and mixed portfolios containing a combination of these property types. For larger multifamily projects (5+ units), we also offer dedicated apartment building loan programs.

The minimum portfolio size for our blanket loan program is 2 properties. Single property investors can use our No-DSCR single property program with loan amounts from $50K to $3M. There's no maximum on the number of properties -- we've structured loans covering hundreds of rental units across multiple states.

SFRs, duplexes, condos, townhomes, and mixed-use -- all under one investment property loan

How Does DSCR-Based Lending Work for Investment Property?

DSCR stands for Debt Service Coverage Ratio -- it's simply the property's net operating income divided by the annual debt service (mortgage payments). A DSCR of 1.20x means the property generates 20% more income than what's needed to cover the mortgage. That's the minimum we typically require.

The advantage for investors is significant. Because we underwrite based on the property's cash flow rather than your personal income, you don't need to provide W-2s, pay stubs, or personal tax returns. Self-employed investors, LLC owners, and LLC owners all benefit from this approach. The property's ability to service its own debt is what matters.

For investors who don't want any DSCR requirement at all, our stated income investor program offers even more flexibility. And for portfolios of properties where some perform stronger than others, a blanket structure lets the high-performers offset the weaker ones in a blended DSCR calculation.

Not Sure Which Program Fits Your Portfolio?

With single-property DSCR loans, blanket mortgages, stated income programs, and short-term rental financing all available, picking the right structure matters. Our Loan Recommender walks you through a few quick questions and matches your scenario to the best program in under 60 seconds.

We work with US citizens, permanent residents, and international investors alike. If you'd rather talk it through, call 888-375-7977 and a loan officer will help you compare options based on your specific portfolio and goals.