Buy and hold financing
Long-term financing built for investors who buy, hold, and build wealth through rental income.
Rental property loans are designed for investors purchasing or refinancing properties they intend to hold and rent out. The most common structures are DSCR loans (which qualify based on rental income) and conventional investment loans (which use full income documentation). The right choice depends on your financial situation, how many properties you own, and how quickly you want to close.
Typical terms
Loan-to-value
Up to 80% LTV
Term
30-year fixed or adjustable
Qualification
DSCR-based or full-doc
Property types
SFR, 2-4 unit, condo, townhome
Occupancy
Non-owner occupied (investment)
Minimum units
1+
Conventional investment loans require full income documentation and typically limit borrowers to 10 financed properties. DSCR loans bypass personal income verification and focus on property cash flow, making them a better fit for investors scaling a portfolio or those with complex tax situations.
The tradeoff is that DSCR rates tend to be slightly higher, but the faster qualification and fewer documentation requirements often make up for the difference.
Experienced investors often use a combination of loan types. They might use conventional financing for the first few properties when rates are lowest, then switch to DSCR loans as they scale beyond the conventional property limit. Some also use portfolio lenders who hold loans on their own balance sheet and can offer more flexible terms.
Many rental investors refinance periodically to pull out equity, lower their rate, or consolidate short-term debt. Cash-out refinances on stabilized rentals are one of the most common uses of DSCR loans, especially for investors executing a BRRRR strategy (buy, rehab, rent, refinance, repeat).
Learn more
A DSCR loan qualifies you based on rental income, not personal tax returns. Here is how it works, who it is for, and what lenders actually look at.
Most DSCR leads never fund. Here is how top brokers attract qualified investor borrowers, screen them fast, and turn inquiries into real loan applications.
Investors need scenarios, not single quotes. Here is how a loan pricer compares DSCR vs bridge, estimates cash-to-close, and moves deals faster.
FAQ
Common questions about this financing option.
Most investor loan programs require a down payment of at least 15-25%. Zero-down options are extremely rare for investment properties.
Conventional loans typically cap at 10 financed properties per borrower. DSCR loans have no such limit, which makes them popular with portfolio investors.
BRRRR stands for buy, rehab, rent, refinance, repeat. Investors purchase a distressed property, renovate it, place tenants, then refinance into a long-term loan to pull out equity and repeat the process.
For investors
Share a few details about the property and a licensed loan officer on our platform will review the deal with you.
Speak to a loan officerFor mortgage professionals
Relip helps investment lending teams generate leads, price deals, and manage loan execution under one roof.
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