Purchase investment property
Explore rental-property acquisition financing with a review of projected rent, down payment and investment goals.
INVESTMENT PROPERTY FINANCING · PERSONALIZED REVIEW
Rental property goals deserve more than a rate chart.
Buying another rental? Pulling equity from a property you already own? Looking at Airbnb, VRBO or financing in an LLC? Tell Jim what you want to accomplish and explore lender options built for investors.
✓ DSCR & investment mortgages✓ Purchase, refinance & cash-out✓ No Social Security number needed to inquire
CHOOSE YOUR STRATEGY
Three ways to finance your next move
Financing choices depend on the property, investor, state and lender.
DSCR cash-out refinance
Look at possible equity access in an existing rental without assuming a traditional owner-occupied refinance is the answer.
Refinance investment debt
Review alternatives for an existing rental mortgage, including loan structure, costs and potential prepayment provisions.
SMART INVESTOR TOOLS
Run the numbers before requesting your quote
Change the estimates below. These tools do not pull live lender pricing and do not determine loan eligibility.
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Rental coverage / DSCR
Estimated rent compared with estimated monthly housing payment.
Illustrative DSCR1.27×
Rent divided by estimated PITIA
PITIA generally includes principal, interest, taxes, insurance and applicable association dues. Lender calculations and treatment of short-term rental income vary.
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Cash-out equity estimator
Explore a possible cash-out scenario using your own LTV assumption.
Illustrative net cash$67,500
Before lender-specific eligibility review
The LTV input is an illustration, not an advertised lender maximum. Actual net cash depends on valuation, underwriting, lien payoffs, closing costs, seasoning, restrictions and other requirements.
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Payment & rental scenario
Try a hypothetical interest rate without treating it as a quote.
Illustrative monthly PITIA—
Estimated principal and interest
Rate is entered by you and is not available loan pricing. Excludes reserves, repairs, property management, vacancies and other ownership expenses.
INSTANT INVESTMENT PROPERTY QUOTE
Tell us about the opportunity.
A few details help Jim review appropriate lender options. No Social Security number or credit authorization is requested by this form.
01 — Property & loan02 — Contact & permission
INVESTOR QUESTIONS
Common DSCR questions
Can rental income be used instead of personal tax returns?
Some DSCR programs primarily evaluate eligible rental income compared with the property's payment, rather than traditional personal-income documentation. Credit, assets, property type, reserves and lender requirements still matter.
Can I use DSCR financing for Airbnb or VRBO?
Some lenders consider qualifying short-term rental properties. The permitted income documentation and calculations can be different from a conventional lease-based rental.
Can I do a cash-out refinance on a property held in an LLC?
Some investor programs offer LLC vesting and cash-out options. Eligibility can depend on borrower guarantees, title, seasoning, cash flow and state rules.
Does a good DSCR mean I am approved?
No. DSCR is only one part of the analysis. Credit score, required reserves, property condition, appraisal, property use, loan purpose, leverage and lender overlays can affect financing.
INVESTMENT PROPERTY EQUITY
Own a rental? Explore an investment-property second mortgage.
Need cash without replacing your existing first mortgage? Compare available rental-property fixed seconds, HELOCs and DSCR cash-out alternatives.