Investment property loans
Start with the property’s rental income and the borrower’s documentation. Program limits depend on occupancy, unit count and the actual file.
DSCR loans
Qualify an eligible rental property using its documented cash flow.
Hybrid investor loans
Review rent alongside eligible documented personal income.
5–8 unit DSCR
Experienced-investor financing for small residential buildings.
Mixed-use loans
Review eligible 2–8 unit buildings with residential and commercial space.
Foreign National DSCR
A separate rental-property program for eligible foreign nationals.
Short-term rental loans
Income documentation for seasonal and nightly rental operations.
LLC vesting
Understand entity ownership, documents and guaranties.
No personal income verification
Property-based DSCR qualification still requires a complete loan review.
DSCR requirements
Review credit, reserves, leverage and property eligibility.
DSCR rates
Learn which file details affect pricing and request a property-specific quote.
Personal and business income
Compare documentation paths. Each path has its own income calculation and applicable loan matrix.
Bank statement loans
12 or 24 months of eligible personal or business deposits.
1099 loans
Eligible contractor income supported by 1099s and continued receipt.
P&L only
Qualified third-party profit and loss documentation.
Asset depletion
Review eligible assets as a monthly qualifying income stream.
Written VOE
Employer verification supported by recent payroll deposits.
Home equity
Compare keeping the first mortgage with replacing it. Lien position, income method and product availability must be confirmed.
Cash-out refinance
Replace a rental-property mortgage and review available net proceeds.
HELOC
Understand revolving equity lines and draw-period payment changes.
Second mortgage
Published closed-end second-lien income and leverage guidelines.
DSCR HELOC considerations
Review rental-property lines without assuming first-lien DSCR rules apply.
DSCR second mortgage considerations
Compare rental-income and borrower-income junior-lien structures.
Traditional home financing
Match the household, occupancy and property to an eligible homeownership program.
Explore by property
The collateral matters as much as the income. Start a property-specific review.
