More than one investor path
Qualified investors may compare conventional, DSCR, portfolio, bridge, fix-and-flip and other eligible programs based on the property and business plan.
Apply securelyInvestment property loans
Financing options for rental and investor scenarios.
Investment-property financing can include conventional rental-property loans, DSCR programs, portfolio options, bridge financing, fix-and-flip solutions and other eligible business-purpose structures.
Start with the scenario
Built for eligible real-estate investor scenarios.
Straight Deal Mortgage can compare eligible programs across a broad wholesale network and help identify the documentation and execution path that fits the complete transaction.
How the program works
Qualification built around the right information.
Property strategy first
The best structure depends on acquisition, renovation, holding period, expected rent, reserves, entity structure and exit plan.
Program details matter
Loan-to-value, reserve requirements, prepayment terms, experience requirements and property rules can vary widely by lender.
A clearer path forward
What to expect.
- 01
Define the investment plan
Share the property type, transaction goal, expected rent, renovation scope, timeline and intended hold or exit strategy.
- 02
Compare eligible programs
Review whether conventional investor, DSCR, portfolio, bridge or renovation financing may fit the transaction.
- 03
Document the transaction
Prepare borrower, entity, asset, property, lease, appraisal, insurance and project documentation as required.
- 04
Close with the right structure
Confirm final terms, prepayment provisions, reserve requirements and closing conditions before signing.
Common questions
Answers before you apply.
Can rental income help qualify for an investment-property loan?
Eligible current or projected rental income may be considered under program-specific documentation and calculation rules.
What is the difference between DSCR and conventional investor financing?
Conventional investor financing generally evaluates the borrower’s personal qualifying income and debts. A DSCR program typically focuses more heavily on eligible property cash flow while still reviewing credit, assets, property and other requirements.
Can short-term rentals be financed?
Some lenders consider eligible short-term rentals, but income methods, market rules, property type, reserves and experience requirements vary.
Are fix-and-flip loans the same as long-term rental loans?
No. Fix-and-flip or bridge loans are usually short-term business-purpose financing, while long-term rental loans are structured around holding the property. Costs, terms and underwriting are different.
Continue researching
Read the detailed mortgage guide.
Learn the terminology, common documentation, potential tradeoffs and questions to ask before choosing a program.
Review small multifamily and mixed-use financing → · Review short-term rental financing requirements → · Review bridge and fix-and-flip options →
Program terms, documentation, pricing, lender participation, property eligibility and availability vary by transaction and jurisdiction and may change without notice. All loans are subject to application, credit approval, property review, underwriting requirements and applicable law. This is not a commitment to lend.