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How we help investors
- Qualify on rental income with DSCR loans, without relying on your personal tax returns.
- Cash-out refinance on rentals you already own to fund your next purchase.
- Traditional investment property loans when your personal income makes that the better fit. We'll compare both.
- Straight answers. If a property or plan won't work for a program, we'll tell you early, before you spend time and money.
Properties we finance
Single-family rentals, condos and townhomes, 2-4 unit buildings, and short-term rentals with select programs.
Investing across state lines?
We finance investment properties in California, Arizona, Colorado, Florida, and Texas. Many of our California clients invest in other states, and we can help with that too. Just remember that taxes, insurance, and HOA costs vary a lot by location, so we'll use local numbers when we run your estimates.
What to have ready
- The property address or the area you're shopping in
- Current or expected rent (a lease or a rent estimate)
- Property taxes, insurance, and HOA dues, if known
- Your plans for the property: long-term rental, short-term rental, or a plan to sell
Frequently asked questions
Do I still need tax returns on a DSCR loan?
Usually not. DSCR loans are based on the property's rental income.
Can I use Airbnb income?
Some programs allow short-term rental income. We'll check what fits your property and city.
Is DSCR for a house I'll live in?
No. It's for investment properties only. For a home you'll live in, see Purchase or Refinance.
Can you help me refinance a rental I already own?
Yes, including cash-out refinancing to free up equity for your next investment.