Investor loans finance rental and investment property using programs built around the deal — DSCR, bank statement, and portfolio lending — rather than the standard owner-occupied playbook.
Share a few details and our team can Tell us about your portfolio and the next acquisition — we will map the financing.
Prefer to talk now? 954-590-8464Investor loans cover rental and investment property using guidelines written for investors. Qualification can run on the propertys rental income through a DSCR program, on bank deposits, or through a portfolio lender reviewing the whole picture.
Because investor property does not qualify for most agency programs beyond a small number of financed properties, these dedicated programs are what keep a portfolio growing past the first few doors.
The right program keeps each acquisition moving without re-underwriting your entire life.
DSCR programs use the property's rent, so personal returns take a back seat.
Investor programs permit more financed properties than agency guidelines allow.
Pull equity from a seasoned property to fund the next acquisition.
Ownership through an entity is commonly permitted on investor programs.
Airbnb and VRBO revenue accepted on many programs via market-rent analysis.
Some lenders underwrite the whole portfolio rather than one property at a time.
These are typical investor guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Typically 620-700 depending on program, LTV, and property count.
Usually 20-25% for an investment purchase, with 15% possible at strong credit.
Commonly 1.25 or better when qualifying on rental income.
Six months of payments per property is typical, and more as the portfolio grows.
SFR, 2-4 units, condos, and short-term rentals, subject to program limits.
Personal name or LLC ownership, depending on the program and state.
Complete one application and tell us about your goals and timeline.
We review your file, check INVESTOR guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
It is underwritten around the investment rather than your primary residence. Programs like DSCR qualify the property on its rental income, allow more financed properties, and permit LLC vesting.
Investor programs permit more financed properties than agency guidelines, which typically cap out at ten. Limits vary by lender and are set in the program guidelines.
Yes. Cash-out refinance is available on investment property, subject to seasoning and LTV requirements that vary by program.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your INVESTOR options — we'll guide you from application to keys.
