Lendmire Research

Investment property loans get underwritten differently than a home loan for a house you live in — most rental purchases today run through DSCR (debt

Owner-occupied and investment property loans aren’t just priced differently — they run on two separate legal tracks with different documentation

Using a 401k Loan for Investment Property: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

Investment Property Loan Programs: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

15-Year DSCR Loans Explained: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

Yes, a DSCR loan requires an appraisal, and it does more work than a typical purchase appraisal.

A DSCR loan qualifies you on what the property earns, not what you earn personally — no W-2s, no tax returns, no personal debt-to-income math.

Investment property loans split into two basic worlds: conventional loans that qualify you on personal income and debt-to-income ratio, and DSCR

A DSCR loan qualifies a rental property using its own rent-to-payment math instead of the borrower’s tax returns or W-2s.

A DSCR loan lets you buy a house as a rental property, qualifying on the rent the house can generate rather than your personal income.

A “DSCR loan for business acquisition” almost never means financing to buy an operating company.

Investment Property Loan Rules You Should Know: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

A DSCR loan qualifies you based on what the property earns, not what you earn personally.

Your first investment property loan will almost certainly cost more upfront and get underwritten differently than the mortgage on your own home — lenders

A DSCR loan amount under $75,000 isn’t against any rule — there’s no government-set floor on how small a DSCR loan can be.