Investment Property Financing Solutions

Down payment requirements typically range from 20-25% for conventional investment property loans. DSCR loans may require 20-25% down, while bridge loans often require 25-30%. The exact amount depends on property type, your experience, and the lender's requirements.

DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income rather than your personal income. The property must generate enough rental income to cover the mortgage payment (typically 1.0x to 1.25x DSCR). This is ideal for investors with multiple properties or self-employed individuals.

Yes, through portfolio loans or blanket mortgages, you can finance multiple properties under a single loan. This simplifies management and may offer better terms than individual loans. We also help investors build portfolios by financing properties one at a time.

Most lenders require a minimum credit score of 680-700 for investment property loans. Higher credit scores (740+) typically qualify for better rates and terms. Some specialized programs may accept lower scores with larger down payments.

Lenders typically use 75% of the gross rental income to account for vacancies and expenses. For DSCR loans, they divide the monthly rental income by the monthly mortgage payment (PITI). Existing leases, market rent analysis, and appraisal rental estimates are all considered.

A 1031 exchange allows you to defer capital gains taxes when selling an investment property by reinvesting the proceeds into another like-kind property. This powerful tax strategy helps investors grow their portfolios faster by preserving capital that would otherwise go to taxes.