Investment property loan FAQ

It is business-purpose financing for real estate you rent out or hold as an investment, where no borrower or family member lives in the property. Common types include DSCR loans, rental cash-out refinances, short-term rental loans, portfolio loans and small commercial loans.

Each wholesale lender sets its own minimum. Many programs look for 1.00 or higher, meaning the rent at least covers principal, interest, taxes, insurance and HOA. Some accept lower ratios with more down payment or reserves, and stronger ratios generally see more options.

Not for most DSCR programs, which qualify mainly on the rent the property produces. Other investor programs, such as bank statement loans, do review income. We will tell you which kind fits your file.

Some wholesale lenders accept first-time investors, often with extra reserves or a stronger ratio. Others require prior ownership experience. Share your background and we will match it to programs that fit.

Yes. The rent drives qualification, but credit affects pricing, the leverage offered and sometimes the minimum ratio a lender accepts.

Many DSCR programs allow it, using twelve months of booking history or a market-based short-term rent estimate, often with an adjustment for vacancy and costs. The property must be legal to rent short-term where it is located.

Single-family rentals, condos and townhomes, 2-4 unit buildings, 5+ unit apartment buildings, mixed-use property and some small commercial property. Availability depends on the property and program.

Yes, typically through small-balance commercial programs that look at net operating income rather than a residential DSCR formula.

Long-term DSCR loans usually require a rent-ready property. Heavy renovations are more often financed with a short-term bridge loan first, then refinanced into a DSCR loan once rented.

Yes, many programs allow an LLC borrower. The members generally sign a personal guarantee and provide formation documents, an operating agreement and an EIN letter.

No. We only arrange business-purpose loans on property that no borrower or family member will occupy at any point. If you plan to live in it, a different loan type applies, and we are not the right fit.

Not through us. A property occupied by a family member is not treated as a business-purpose investment for our purposes.

No. Investment Property Loan is a mortgage broker brand of Loan Daddy LLC, NMLS 2827624. We arrange and shop financing from wholesale lenders. The lender you choose underwrites, approves and funds the loan.

We do not post pricing on this site. Pricing depends on the property, ratio, credit, leverage and lender, so we quote it for your actual scenario after a review.

Tell us where the property is located when you start a request. Our licensing page lists our licenses, and program availability varies by state and lender.

Our team reviews your scenario and follows up using the contact information and permissions you provide. Marketing call and text consent is optional. Submitting a request is not a commitment to lend or to borrow.