Financing for rental and investment property, not just the house you live in.
Conventional, DSCR, and alternative-documentation options for single-family rentals, small multi-family, and mixed-use property — from a broker who’s placed these loans since 2007.
Equal Housing Opportunity
Rental and investment property financing works differently than a primary residence.
Lenders view non-owner-occupied property as higher risk than a primary residence, which generally means larger down payments, higher minimum credit scores, and closer scrutiny of the property’s income potential. The tradeoff is flexibility: several programs exist specifically for investors, including options that qualify off the property’s own cash flow rather than the borrower’s personal income.
Available nationwide for qualifying business-purpose transactions — not limited to California. The loan programs on this page are for non-owner-occupied investment or rental property — they are not intended for personal, family, or household use. This page is general program information, not a set of loan terms, a commitment to lend, or an offer of credit.
Ways to finance an investment property.
The right structure depends on the property type, how many units it has, and how much documentation you want to provide. Three general paths are common:
| Program | Qualifies off | Typically best for |
|---|---|---|
| Conventional loans | Borrower income, credit, and assets (full documentation) | Long-term buy-and-hold rentals, single-family up to 4 units |
| DSCR loans | The property’s own rental income | Investors who don’t want to document personal income, or who own multiple properties |
| Other Non-QM programs | Bank statements, assets, or a P&L statement | Self-employed investors with complex or hard-to-document income |
General program comparison only. Minimum credit score, down payment, and loan-to-value requirements vary by program and investor and are confirmed during the qualification conversation.
What DSCR financing looks at instead of your paycheck.
Debt Service Coverage Ratio (DSCR) loans qualify a property based on whether its rental income covers its own housing payment — principal, interest, taxes, insurance, and any association dues — rather than the borrower’s personal income or employment history. A DSCR at or above 1.0 generally means the property’s rent covers its own payment; the exact ratio required for approval varies by program and investor. This structure is commonly used by investors who own multiple properties, are self-employed, or would rather not document personal income at all. See our DSCR Loans page → for more detail.
Property types we help finance.
- Single-family rental homes
- Small multi-family properties, typically up to 4 units on conventional financing and more on select DSCR programs
- Condominiums and townhomes purchased as rental property
- Long-term and qualifying short-term rental properties
- Mixed-use property, depending on the program and use mix
What the process generally looks like.
- Talk it through. We review the property, your goals, and how you’d like to document the loan.
- Match the program. Conventional, DSCR, or another Non-QM path — whichever actually fits the property and your documentation preference.
- Pre-qualify. A clear starting point before you make an offer or start a refinance.
- Apply and close. We keep you posted at every step; no surprises, no guesswork.
General process description only — not a commitment to lend.
Wondering if you’d qualify? Every wholesale investor sets their own guidelines, and the specific numbers — minimum credit score, maximum loan-to-value, qualifying ratios — genuinely vary from loan to loan. Rather than guess at figures here, we’ll walk you through current guidelines for your specific scenario. Contact us → and let’s talk about your property directly.
Have questions about investment property financing? Visit our FAQ →
Get pre-qualified for an investment property loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Google Maps → | Yelp → | Facebook → | LinkedIn → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.