INVESTMENT PROPERTY FINANCING

THE PROPERTY IS THE OPPORTUNITY. LET’S FIND THE FINANCING.

Whether you’re buying Rental #1 or adding another property to an existing portfolio, the financing should start with the actual deal — not a one-size-fits-all mortgage pitch.

PROPERTY + RENT + BORROWER + PROGRAM = THE DEAL
START WITH THE GOAL

YOU’RE NOT FINANCING A PLACE TO LIVE.

YOU’RE FINANCING AN ASSET.

Investment-property loans are designed around properties being purchased or owned for investment purposes. Depending on the program, the property income, borrower profile, equity, reserves and overall deal structure can all matter.

01

THE PROPERTY

Property type, value, condition, location and intended use can affect which financing paths may be available.

02

THE NUMBERS

Purchase price, expected rent, housing expense, leverage and loan structure can influence how the deal is evaluated.

03

THE BORROWER

Credit, reserves, experience, entity structure and other eligibility factors may still be part of underwriting.

Investment property types including single family, multifamily, short term rentals and portfolio properties
DIFFERENT PROPERTY. DIFFERENT DEAL.

WHAT ARE YOU BUYING?

Investment-property financing can look different depending on the type of property and the way you plan to use it.

SINGLE-FAMILY RENTAL One property. One rental. A common place to start.
2–4 UNIT MULTIFAMILY Multiple rental units within one property.
SHORT-TERM RENTAL Program treatment can vary by property and lender.
PORTFOLIO PROPERTY Financing another acquisition as the portfolio grows.
ONE PROPERTY. DIFFERENT PATHS.

INVESTMENT PROPERTY FINANCING ISN’T ONE-SIZE-FITS-ALL.

Different loan programs can evaluate income, credit, leverage, reserves and property characteristics differently.

CASH-FLOW FOCUSED

DSCR LOANS

Eligible deals may be evaluated using qualifying rental income compared with qualifying housing expense.

HOW DSCR WORKS →
INVESTOR FINANCING

RENTAL PROPERTY FINANCING

Financing structures may vary based on the borrower, property, occupancy, equity and applicable program guidelines.

REVIEW MY SCENARIO →
PORTFOLIO GROWTH

NEXT PROPERTY FINANCING

Repeat investors may have different objectives involving leverage, liquidity, reserves and acquisition strategy.

GROW YOUR PORTFOLIO →
THE RIGHT PROGRAM IS THE ONE THAT FITS THE ACTUAL SCENARIO.

Program availability, eligibility, terms and underwriting requirements vary. A complete review is needed to determine which financing options may apply.

EVERY DEAL IS DIFFERENT

WHAT DETERMINES THE FIT?

Looking at investment-property financing means looking at more than one number. The complete scenario matters.

01 DSCR / RENT
02 CREDIT
03 EQUITY
04 RESERVES
05 PROPERTY TYPE
06 LOAN STRUCTURE
RUN THE NUMBERS →
Investment property loan deal review and financing analysis
WHERE ARE YOU IN THE JOURNEY?

RENTAL #1 AND RENTAL #10 ARE DIFFERENT CONVERSATIONS.

The basic goal is still to finance a good investment property. But your priorities can change as your experience and portfolio grow.

FIRST-TIME INVESTOR

I’M TRYING TO BUY #1.

You may be focused on understanding the process, cash needed, rent, DSCR, property eligibility and what financing could realistically look like.

START WITH RENTAL #1 →
EXPERIENCED INVESTOR

I’M TRYING TO KEEP BUILDING.

You may care more about capital efficiency, leverage, liquidity, reserves, acquisition timing and financing the next opportunity without slowing the portfolio.

GROW MY PORTFOLIO →
FROM PROPERTY TO FINANCING

BRING THE DEAL. LET’S WORK THROUGH IT.

Investment-property financing starts with understanding what you’re buying and what the complete scenario looks like.

01

PROPERTY

Tell us what you’re buying, where it is and what the purchase or transaction looks like.

02

NUMBERS

Review purchase price, expected rent, equity, expenses and financing assumptions.

03

PROGRAM

Evaluate available financing possibilities based on the property and borrower scenario.

04

NEXT STEP

If an eligible financing path fits, understand what documentation and underwriting may be required next.

YOU DON’T HAVE TO KNOW THE LOAN PROGRAM FIRST.

START WITH THE PROPERTY.

TELL US ABOUT THE DEAL →
THE FINANCING ISN’T THE DESTINATION

THE PORTFOLIO IS THE PLAN.

READY TO FINANCE THE NEXT PROPERTY?

Whether the next deal is Rental #1 or another addition to the portfolio, start with the property and the numbers. Then let’s see what financing may fit.

FIND → ANALYZE → FINANCE → KEEP BUILDING
Financing is subject to lender and program availability, underwriting, borrower eligibility, property eligibility and applicable documentation requirements.