Loan Recommender — Find Your Best Investment Loan Program

Not sure which loan program fits your investment? Answer four quick questions and we'll match you with the right financing — no credit pull, no obligation. Takes less than 60 seconds.

How does the loan recommender work?

We offer seven distinct loan programs, each designed for a different type of rental property investor. The quiz asks about your goal (purchase, refinance, or cash-out), how many properties you're financing, the property type, and your general credit range. Based on those four answers, we match you with the program that gives you the best combination of LTV, rate structure, and qualification flexibility.

Every program qualifies on property-level cash flow rather than personal income — no tax returns, no W-2s, no employer verification. The differences come down to portfolio size, property type, and credit thresholds.

Match your investment strategy to the right loan program in under a minute

What types of rental property loans are available?

We offer programs for single-property purchases, multi-property blanket loans, multifamily buildings, and short-term rentals. Each program has different LTV limits, credit minimums, and term structures. The quiz narrows these down based on your specific situation, but here's a quick overview:

Single property investors typically qualify for either a 30-year fixed DSCR loan (650+ credit, up to 80% LTV) or a single property investor loan (650+ credit, up to 80% LTV). If your property's cash flow is tight, the no-ratio DSCR program eliminates the income coverage requirement entirely.

Portfolio investors with multiple properties benefit from blanket loan structures that consolidate everything under a single note. And if you're buying an Airbnb or VRBO property, the short-term rental mortgage qualifies on actual platform revenue rather than traditional lease income.

Can I qualify without tax returns or income verification?

Yes. Every program we offer underwrites based on the property's cash flow, not your personal income. No tax returns, no W-2s, no employer verification, no personal debt-to-income calculations. Your credit score and the property's debt service coverage ratio (or LTV for no-ratio programs) determine qualification.