Residential Investment (1–4 Unit) Loans
DSCR and non-QM financing for single-family rentals, duplexes, triplexes, and fourplexes. Qualify on the property's cash flow — not your personal DTI. Portfolio loans for investors with 5+ doors.
Best for
- Single-family rental (SFR) investors
- Duplex, triplex, and fourplex owners
- Short-term rental (Airbnb / VRBO) operators
- Investors building or refinancing a rental portfolio
What you'll need to qualify
- 1–4 unit residential investment property (owner-occupied does not qualify)
- DSCR of 1.0×+ (some programs go to 0.75× with lower LTV)
- Credit score 640+ typical (700+ for best pricing)
- 20–30% down payment (or equivalent equity on refinance)
How it works
- 1
Submit the property address, purchase price / current value, and rent roll (or short-term rental income).
- 2
We match to DSCR / non-QM lenders — approval is based on the property's DSCR (rent ÷ debt service), not personal income.
- 3
Close in 15–30 days. Portfolio loans available for investors financing multiple properties.
The trade-offs
Pros
- • No personal income / DTI documentation required
- • No limit on number of financed properties
- • Fast close relative to traditional bank
- • Cash-out refinance available up to 70–75% LTV
Trade-offs
- • Rates typically 100–200 bps above owner-occupied conforming
- • Higher down payment than owner-occupied
- • Property must cash-flow at close (DSCR ≥ minimum)
See what you qualify for
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