Financing built around the property, not just you.
From your first investment property to a growing portfolio, the financing structure matters just as much as the deal. Jen helps you choose it before you write the offer.
The main ways to finance a rental
Each option trades off down payment, documentation and rate differently. The right one depends on the property, your income picture and how many doors you plan to own.
Conventional investor loans
Typically 15% to 25% down with the best pricing for strong credit. Qualification uses your personal income plus a portion of the projected rent.
DSCR loans
Qualify on the property's rental income instead of your tax returns. Built for investors with several properties or complex income.
Multi-unit and house hacking
Buy a 2 to 4 unit property, live in one unit and rent the rest. Primary-residence financing with as little as 3.5% down.
Cash-out and equity for the next deal
Use equity in a property you already own to fund the down payment on the next one.
Portfolio and bridge options
Short-term financing to acquire or renovate, then refinance into long-term debt once the property is stabilized.
Reserves and structure
Lenders expect reserves for each financed property. Planning this early keeps you qualified for the next purchase.
Investor questions, answered
How much do I need down for a rental property?
Usually 15% to 25% for conventional investor loans, and 20% to 25% for DSCR loans. A 2 to 4 unit property you live in can qualify for owner-occupied financing with much less.
Can rental income help me qualify?
Yes. On conventional loans a portion of projected rent counts toward income; on DSCR loans the rent is the qualification.
How many financed properties can I have?
Conventional guidelines allow up to ten financed properties. Beyond that, DSCR and portfolio loans keep you going.
Should I buy in an LLC?
Some programs allow it and some do not, and it affects rate and liability. Talk with Jen and your attorney or CPA before you decide.
What is a DSCR?
Debt service coverage ratio: rent divided by the mortgage payment. Most programs want 1.0 or higher, and pricing improves as it rises.
Have a property in mind?
Send Jen the address and the numbers, or just book a call. She will show you the financing options side by side so you know your cash and cash flow before you make an offer.
Residential Mortgage Loan Originator · NMLS #2543503
