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Investment Property Loans

Financing built for rentals, second homes, and portfolio growth — with options for every type of investor.

Rentals

Long & short term

DSCR

Cash-flow paths

Portfolio

Scale over time

Options

Conventional + Non-QM

Overview

What it is

Investment property loans help you purchase or refinance non-owner-occupied real estate. Depending on your strategy, you might use conventional investor financing, a DSCR loan based on rental cash flow, or a Non-QM program.

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Typical requirements

  • A non-owner-occupied property
  • A down payment consistent with investor programs
  • Reserves and a solid credit profile
  • Documentation appropriate to the chosen program

Potential benefits

  • Multiple financing paths for investors
  • Qualify on rental income with DSCR programs
  • Build and scale a rental portfolio
  • Options for second homes and vacation rentals
FAQ

Common questions

Which program is best for investors?
It depends on your income documentation and strategy. DSCR loans qualify on rental cash flow; conventional and Non-QM options may also fit.
How much down payment is required?
Investment properties typically require a larger down payment than primary residences. We’ll outline the specifics for your scenario.
WCCI.Online Mortgage Intelligence

Not sure which loan program fits?

Start with a WCCI AI Mortgage Review to organize your income, property, credit, and loan goals before speaking with a licensed mortgage professional.

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WCCI.Online provides preliminary educational mortgage guidance only and is not a loan approval, rate quote, rate lock, or commitment to lend.

Ready to take the next step?

Start with a short mortgage intake and we will help you understand your options.

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