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.
Why Refinance or Purchase Investment Property Now?
The FHFA House Price Index shows average annual home price appreciation of 4-5% nationally, meaning investors carrying older mortgages are sitting on substantial trapped equity. 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 works well, especially with DSCR-based lending that doesn't require personal income documentation. Conventional lenders cap investors at 10 financed properties under Fannie Mae guidelines, but our programs have no such limit. You don't need a W-2 or tax returns -- just a property that generates enough income to cover the debt service at a minimum 1.0x-1.25x DSCR.
Expand Your Portfolio
Access pent-up capital through cash-out refinancing with LTVs up to 75% (80% for rate-term refinance). No personal DTI required -- we use the income from the property.
Improve Returns on Equity
Excess equity sitting in appreciated properties drags down your ROI. Smart leverage through refinancing puts that capital to work at higher returns.
Maximize Cash Flow
30-year amortization and interest-only options keep monthly payments low. More cash flow means faster reinvestment into your next acquisition.
Streamline Portfolio Management
Consolidate multiple individual mortgages into one blanket loan. One payment, one lender, one set of terms -- reducing risk and increasing NOI.
What Property Types Do You Finance?
We finance the full range of 1-4 unit residential investment properties: single-family rentals, duplexes, triplexes, four-plexes, condos, townhomes, and mixed portfolios. For larger multifamily projects with 5+ units, we also offer dedicated apartment building loan programs. The national rental vacancy rate sits at approximately 6.6% according to U.S. Census Bureau data, and well-occupied properties in strong markets qualify readily for our 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
Get Your Investment Property Loan Quote
Whether you're purchasing your next rental or refinancing your existing portfolio, we'll structure the right program for your strategy. Loans from $500K to $25M with fast closings.
How Does DSCR-Based Lending Work for Investment Property?
DSCR (Debt Service Coverage Ratio) divides the property's net operating income by the annual debt service. A DSCR of 1.20x means the property generates 20% more income than needed to cover the mortgage. Lenders commonly require a 1.0x-1.25x DSCR, and because qualification is based on property income rather than personal earnings, no W-2s, pay stubs, or tax returns are needed.
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. Investment property rates typically run 0.50-0.75 percentage points above primary-residence rates, but the right program selection can offset that premium through better terms. 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.
Investment Property Loan Program Highlights
- Loan amounts from $500K to $25M -- no property count limit
- Up to 80% LTV for purchases and rate-term refinances (75% cash-out)
- 5-year and 10-year fixed rates with 30-year amortization
- Interest-only options available to maximize monthly cash flow
- No personal DTI -- DSCR-based underwriting uses property income only
- US citizens, permanent residents, and international investors all eligible
- SFR, 2-4 unit, condo, townhome, and mixed-use properties
Talk to a Dedicated Investment Property Lender
We work exclusively with real estate investors -- not owner-occupants. Apply online for a fast quote or call to discuss your acquisition or refinance strategy with a specialist who understands portfolio lending.