Financing that scales with your portfolio.
Investors have more program choices than most buyers realize. From conventional investment loans to DSCR, bank statement, asset-qualifier, no-ratio, and private money — each fits a different profile.
Direct answer
Investment property loans price higher and require more equity than owner-occupied loans, but programs like DSCR let qualified investors underwrite on the property's cash flow.
Key takeaways
- 01
Investment loans usually require larger down payments than owner-occupied.
- 02
DSCR loans underwrite on property cash flow rather than personal income.
- 03
Cap rate, cash-on-cash, and DSCR are the three most cited metrics.
How investment loans price
Rate reflects the higher risk of non-owner-occupied property plus program, LTV, and reserves.
Which program fits
W-2 income and strong ratios lean conventional; self-employed with strong cash flow lean DSCR or bank statement; equity-heavy buyers lean asset-qualifier or no-ratio.
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Frequently asked
How much down is required?
Investment loans commonly require larger down payments than owner-occupied — plan for higher upfront equity.
Do DSCR loans check personal income?
DSCR loans underwrite primarily on the property's cash flow relative to the debt service.
Can I 1031 into a new property?
1031 exchanges are IRS-governed. Coordinate closely with a qualified intermediary and your tax advisor.
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