INVESTOR LOANS

Financing for real estate investors - from your first rental to your tenth.

Based in San Diego, CA, our mortgage team helps you compare financing for investment properties. We review the property, rental income, expenses, available funds, and program requirements. Approval depends on underwriting and eligibility; rental income alone does not guarantee qualification.

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Investment-property financing options

Conventional investment mortgages

Conventional investment loans use documented income, assets, credit, and property information. Down payment, reserves, eligible rental income, and financed-property limits vary. Compare the payment, closing costs, and terms with other available programs.

DSCR loans

Debt service coverage ratio (DSCR) programs evaluate qualifying rental income relative to the property payment. Credit, down payment, reserves, appraisal, property type, and other lender requirements still apply. A qualifying ratio does not guarantee approval or positive cash flow after maintenance, vacancies, and other expenses.

Refinancing an investment property

A refinance may change the rate or term, or provide access to eligible property equity. Compare the new balance, closing costs, total interest, reserves, and any prepayment terms. Additional borrowing increases obligations and may affect cash flow and eligibility for future financing.

Property and borrower eligibility

Eligibility depends on the loan program, property location and use, borrower documentation, and ownership structure. Some specialized programs have additional requirements. Discuss the proposed transaction early and confirm requirements before making financing commitments.

Renovations and rental plans

Renovation, bridge, and rental-property programs have different documentation and exit requirements. Confirm local rental rules, realistic operating costs, and how the lender treats projected income. Future sale proceeds, occupancy, and refinancing are not guaranteed.