You’re likely eligible with 20–25% down, solid credit, and reserves. DSCR loans widen eligibility by qualifying on rental cash flow; portfolio loans help investors past conventional property limits.
Property and borrower factors
Eligible properties include 1–4 unit rentals, condos, and, via portfolio/commercial paths, larger buildings. Lenders weigh credit, reserves, and either your DTI (conventional) or the property’s DSCR.
Scaling your portfolio
Conventional guidelines limit how many financed properties you can hold. Past that, DSCR and portfolio loans let serious investors keep growing without the personal-income ceiling. We help you plan the sequence.
Frequently asked questions
Can I finance multiple rentals?
Yes — conventional allows a limited number; DSCR and portfolio loans let you scale well beyond that.
Are condos and multi-units eligible?
Yes — 1–4 unit properties and warrantable condos are commonly financed; larger buildings use portfolio or commercial loans.
Does my personal income matter?
For conventional, yes. For DSCR, the property’s cash flow carries the qualification instead.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.