Investor perspective
Discuss the financing with someone who understands reserves, cash flow and portfolio decisions firsthand.
Colorado & Florida mortgage guidance • Call or text (303) 945-3962
Get pre-qualified →Real estate investors
Investment-property financing for the next move.
Compare conventional, DSCR and portfolio strategies with a mortgage adviser who has invested in real estate since 2006.
HOW TO THINK ABOUT IT
The best investment loan is the one that supports both the current deal and the portfolio you are building. We evaluate cash flow, reserves, leverage, documentation and exit strategy together.
WHO IT MAY HELP
Is this the right direction?
✓First-time and experienced rental-property investors
✓Borrowers using conventional investment financing
✓Investors evaluating DSCR or portfolio programs
✓Owners considering equity from another property
WHAT WE COMPARE
Look past the headline rate.
DSCR and conventional
Compare personal-income qualification with programs driven primarily by property cash flow.
Think beyond one closing
Consider leverage, liquidity and future borrowing capacity—not just the immediate rate.
FROM QUESTIONS TO CLOSING
A simple, guided process.
- 01Review the property, lease assumptions and investment plan
- 02Compare conventional, DSCR and portfolio structures
- 03Model payment, cash requirement and reserves
- 04Close with a documentation plan that matches the program
COMMON QUESTIONS
Answers before you apply.
01What is a DSCR loan?+
A debt-service-coverage-ratio loan generally evaluates whether eligible property income supports the required housing payment. Personal-income documentation may be reduced, depending on the program.
02How much down is needed for an investment property?+
Requirements vary by loan type, borrower profile, property and number of financed properties. Many scenarios require more down than a primary-residence purchase.
03Can projected rent be used to qualify?+
Eligible lease or market-rent documentation may be used under program guidelines, often with a vacancy factor or other adjustment.
PERSONALIZED NUMBERS, NOT GENERIC ANSWERS
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