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.
Document your income the way you actually earn it
Pick a personal-income path — the property's rental income counts on top of it in every case.
1099-Only Income
Contractors, agents, and gig professionals qualify on 1099 earnings alone — no tax returns, no write-off penalty.
- 1099 forms document your income
- Write-offs don't shrink what counts
- Ideal for self-employed investors
W-2 Income
Salaried professionals add employment income on top of the property's rent for stronger qualification.
- Simple paystub / W-2 documentation
- No full tax-return underwriting
- Great for high-income professionals
Asset-Based Qualification
Substantial savings, brokerage, or retirement assets can stand in for income entirely.
- Qualify on liquid assets
- No employment requirement
- Built for asset-rich investors
Rental income always counts. Whichever path you choose, the subject property's rent is added to your qualification — that's the hybrid advantage.
How the Hybrid Investor Loan works
Document income your way
Pick the path that matches how you actually earn — 1099s, W-2s, or assets. No personal tax returns required.
Add the property's rental income
The subject property's rent (actual or market) counts toward qualification, just like a DSCR loan.
Qualify on the combined strength
Blending both income sources unlocks lower down payments than a standard DSCR and more buying power.
Hybrid Investor Loan vs standard DSCR
Both skip tax returns. The Hybrid goes further by letting your personal income work alongside the property's.
Prefer to qualify on property cash flow alone? Explore DSCR loans or compare DSCR vs conventional.
Hybrid Investor Loan FAQs
What is a Hybrid Investor Loan?
It's Total Quality Lending's signature investment property program. Instead of qualifying on the property's rental income alone (like a DSCR loan) or on your personal income alone (like a conventional loan), it combines both — with your personal income documented however you actually earn it: 1099s, W-2s, or assets. No tax returns required.
How is it different from a DSCR loan?
A DSCR loan looks only at the property's rental income. The Hybrid Investor Loan adds your personal income on top of the property's rent, which strengthens the file and is designed to unlock lower down payments than a standard DSCR — especially for self-employed and high-income investors.
Do I need tax returns to qualify?
No. The Hybrid Investor Loan is built around alt-doc qualification — 1099 forms, W-2s and paystubs, or asset statements. Personal tax returns are not required.
Who is the Hybrid Investor Loan best for?
Self-employed investors whose tax returns understate their real income, W-2 professionals who want more buying power than property cash flow alone provides, and asset-rich investors who prefer to qualify on what they own rather than what they earn.
Is it only for investment properties?
Yes. Like every TQL program, the Hybrid Investor Loan is built exclusively for non-owner-occupied investment property — from your first rental to a growing portfolio.
How do I find out what I qualify for?
Start the quick questionnaire or call (800) 304-1925. A TQL investment lending expert will structure the program around your income profile and portfolio goals and quote your scenario.
See what the Hybrid unlocks for your next property
A TQL investment lending expert will structure the program around how you earn and where your portfolio is headed.