How it works
Investment property financing covers single-family rentals through small multifamily, using either full documentation or cash-flow-based qualifying. The right choice usually depends on how many properties you already own and how you want your tax returns to read.
What defines this program
- Single-family through small multifamily
- Full-doc and DSCR qualifying options
- Portfolio growth and cash-out strategies
Common fits
Questions borrowers ask
How many investment properties can I finance?
Agency programs cap the number of financed properties; investor programs generally do not in the same way. I map a path that does not stall at property number five.
Who are investment property financing usually a good fit for?
Most often first-time investors, multi-property owners, 1031 and brrrr strategies. That list isn't a rule, though — plenty of files land here for reasons that don't show up on a bullet point, so it's worth asking even if you don't see yourself on it.
What should I have ready before we talk about investment property financing?
Nothing formal. Tell me the property type and where it is, whether it's a purchase or refinance, how you're paid, and roughly what you're working with for down payment or equity. That's enough for me to tell you which direction actually makes sense before you pull documents together.
What will my terms look like?
Pricing, structure and qualifying guidelines vary by lender, property, occupancy and your full financial picture — and they change often. Rather than publish numbers that may not apply to you, I review your scenario directly and walk you through the real options available for it.
This page intentionally avoids quoting rates, down payments, credit-score minimums or underwriting requirements. Guidelines differ by lender, property type, occupancy and borrower profile — and they change. April Ramker reviews your scenario and tells you what applies to it.