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DSCR loans qualify the property, not you.
Conventional still has a place — until it doesn't.
Conventional still has a place — until it doesn't.
The lender looks at whether the rent covers the debt service. Your personal income and DTI mostly stop mattering. That's what makes DSCR the workhorse for anyone whose tax returns don't reflect what they actually earn, or who's past the point where conventional will keep lending.
Conventional still has a place — until it doesn't.
Conventional still has a place — until it doesn't.
Conventional still has a place — until it doesn't.
Better rates than DSCR, but you're capped at ten financed properties, you're fully underwritten on personal income, and every property you add makes the next one harder. Most investors use conventional early and switch once it stops working.
Expect 20–25% down.
Conventional still has a place — until it doesn't.
Short-term rentals need a lender who allows them.
Investment property requires more down than a primary residence, and there's no mortgage insurance option to get around it. Single-family typically starts near 20%; multi-unit and DSCR usually run 25%. Rate pricing improves as you put more down.
Short-term rentals need a lender who allows them.
Portfolio and blanket loans once you have several.
Short-term rentals need a lender who allows them.
Not every investment loan permits Airbnb or VRBO use, and some DSCR programs will underwrite off short-term rental income while others won't touch it. This is a placement problem more than a qualifying problem — the right lender exists, it's just not every lender.
Portfolio and blanket loans once you have several.
Portfolio and blanket loans once you have several.
Portfolio and blanket loans once you have several.
At a certain point, financing properties one at a time stops making sense. Portfolio loans cover multiple properties under one note, which simplifies management and can free up conventional slots.