Investment Property Loan Programs
Investment loans, designed for how investors actually qualify
Every TQL program is built exclusively for non-owner-occupied investment property.
Hybrid Investor Loan
Our signature program. Combine the property's rental income with personal income — documented however you actually earn it. Designed to unlock lower down payments than a standard DSCR for self-employed and high-income investors.
- 1099-only income option
- W-2 income option
- Asset-based qualification
- No tax returns required
- Rental income counts
- Lower down payments than DSCR
DSCR Loan
Qualify on the property's rental income — no personal tax returns required. The classic investor workhorse.
Learn moreDSCR — Foreign National
Investment property financing for non-US citizens. No US credit history or US tax returns required.
Learn moreDSCR Multi-Family (5–8 Units)
Small multi-family financing with DSCR qualification — bridge the gap between residential and commercial.
Learn moreWhy We're Different
Traditional lenders vs TQL
Most mortgage shops are built for owner-occupied buyers. We're not.
More ways to qualify
Alt-doc and agency programs for every income profile — bank statements, 1099s, P&L-only, asset utilization, and conventional.
Ready to finance your next investment property?
Talk to an investment lending expert today. We'll map the strategy, structure the loan, and help you grow the portfolio.