Call or text 832-400-6460

Investor Home Loans


A True Partner

When it comes to investment properties, making a profit should be the sole focus. No other lender can understand that better than I do. Whether you are buying your first rental property, rehabbing your 5th, or jumping into the short term rental space – I can help you close on your loan.

The problem is, many lenders offer these programs – but not every loan officer should do them. I’ve closed over 50+ investment property loans in the last year. Knowing the ins and outs of these loan types are my speciality.

But your investment property is more than just a loan to me. If you need a second head to bounce numbers off of, have a tight deal you’re unsure of Comps or ARV, or maybe need a vetted-friendly investor contractor – I can help facilitate that for you.

Reach out today for all your Long-Term investment property needs.


Conventional Investment Loans

Conventional Investment Loans are your standard Full Document based loans. These start at a 620 credit score and require 20% down when purchasing.

For Refinances, you can refinance up to 75% LTV for 1 units or 70% LTV for 2 units.

Conventional Investment Loans offer the best rates and take 25 to 30 days to close. You can have up to 10 financed properties.

FHA Multi-Family Loans

FHA does allow you to purchase a multi-family property, but it must be your Primary Residence. Purchasers can take advantage of low down payments (3.5%), as well as use the incoming rent to qualify. The other units can be vacant as time of purchase.

Credit score requirements start at 580. These loans are quite easy to qualify for and close. Expect a 30 day close on a purchase.

DSCR – Rental Based Loans

DSCR or Debt-Service-Coverage-Ratio, is a loan based on the incoming rent of the property. These loans are very easy to qualify for as the income qualification is quite simple the rent needing to equal or be greater than the mortgage payment (PITI)

Credit score requirements are usually 660+, but there are some options starting at 620+.

You can refinance up to 80% LTV on 1-2 units, and 75% for LTV 3-4 units.

We can close DSCR Loans in less than 30 days!

Have something unique?

Have a unique scenario? Or maybe some questions on investment property loans. Reach out today and let’s find a way to grow your portfolio!

Contact Form