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Financing designed for investors, not owner-occupants. Rental properties, fix & flip, commercial, and portfolio solutions.
Investor-Focused • DSCR Specialists
Last reviewed: January 2026Reviewed by CMS Mortgage Editorial Team
DSCR Options Reviewed
Entity Options on Some Programs
Portfolio Scenarios Reviewed
Portfolio Lending
5 Loan Options
Find Your Perfect Investment Property Loan
Compare products and find the perfect fit for your needs
Quick Comparison
Compare at a Glance
| Product | Property Type | Down Payment | Income Docs |
|---|---|---|---|
DSCR Loan | Residential rentals; STR on some programs | Varies | Varies (rental-income focus) |
Conventional | 1-4 units | Varies | Full docs |
Fix & Flip | Rehab projects | Varies | Experience-based |
Commercial | 5+ units, CRE | Varies | Business docs |
Second Home | Vacation property | Varies | Standard |
DSCR Loan
- Property Type
- Residential rentals; STR on some programs
- Down Payment
- Varies
- Income Docs
- Varies (rental-income focus)
Conventional
- Property Type
- 1-4 units
- Down Payment
- Varies
- Income Docs
- Full docs
Fix & Flip
- Property Type
- Rehab projects
- Down Payment
- Varies
- Income Docs
- Experience-based
Commercial
- Property Type
- 5+ units, CRE
- Down Payment
- Varies
- Income Docs
- Business docs
Second Home
- Property Type
- Vacation property
- Down Payment
- Varies
- Income Docs
- Standard
DSCR OPTIONS
Why Investors Consider DSCR
A review centered on the rental income a lender recognizes.
A DSCR loan generally evaluates whether the rental income a lender recognizes can support the property's applicable debt obligation. Some programs do not require personal income documentation, and some may allow an eligible business entity to borrow. Calculation methods and requirements vary by lender, and the full review still includes the property, transaction, borrower, assets, and ownership structure.
$0
Down Payment
$0
PMI Ever
21-Day
Avg Close Time
Top 50
National Brokerage
FAQ
Frequently Asked Questions
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