Investment property loans finance rentals with 20–25% down and either your income (conventional) or the property’s cash flow (DSCR). Rates run higher than a primary home, and reserves are usually required.
The essentials
Below are the most common questions. For a strategy tailored to your next purchase or portfolio, a quick call is all it takes.
Frequently asked questions
Can I qualify without showing my income?
Yes — a DSCR loan qualifies on the property’s rent versus its payment, no personal-income documents needed.
How much down do I need?
Typically 20–25%+ for investment properties.
Can I buy in an LLC?
Many DSCR and portfolio lenders allow it — useful for asset protection.
How many rentals can I finance?
Conventional limits the count; DSCR and portfolio loans let you scale well beyond it.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.