Investors
Real estate investors have a variety of loan options available to fit their unique financial situations and investment goals. Conventional financing is common for those with strong credit and documented income, offering competitive rates and terms. DSCR (Debt Service Coverage Ratio) loans are designed specifically for investors, qualifying the property based on its rental income rather than personal income. Bank Statement loans and other no-income products allow self-employed borrowers or those with non-traditional income sources to qualify using deposits, assets, or alternative documentation. Together, these flexible loan programs give investors multiple pathways to build their portfolios and leverage opportunities in today’s market.
DSCR
A Debt Service Coverage Ratio (DSCR) loan allows investors to qualify based on a property’s rental income rather than their personal income. Lenders look at whether the rent covers the mortgage payment and expenses, making it an ideal product for building rental portfolios. This option is especially useful for investors with multiple properties who may not show strong personal income on paper.
Bank Statement
Bank Statement loans are designed for self-employed borrowers or business owners who don’t have traditional W-2s or tax returns to verify income. Instead, lenders review 12–24 months of personal or business bank deposits to measure consistent cash flow. This flexibility makes it easier for entrepreneurs to qualify for investment properties.
Other Investor Loan Products
Other investor-focused products, like asset-based loans or no-income verification programs, provide even more options for those with unconventional financial situations. These loans focus on collateral, assets, or overall financial strength rather than standard income documentation. They’re a great fit for experienced investors looking for speed, flexibility, or creative financing solutions.