Who this may fit
- Long-term rental properties
- Short-term and vacation rentals
- Airbnb and Vrbo properties
- Investors expanding or refinancing a portfolio
Build your real estate portfolio
Investment Property Mortgages
Financing strategies for long-term rentals, short-term vacation rentals, Airbnb and Vrbo properties, and experienced or first-time real estate investors.
A strategy built around you
More options. Clear guidance.
An investment loan should be evaluated as part of your broader cash-flow and portfolio strategy. We offer traditional investor financing, DSCR options, and business-purpose programs for eligible properties and borrowers.
Options we can explore
- DSCR and cash-flow-based qualification
- Traditional investment-property mortgages
- Purchase, rate-and-term, and cash-out refinance
- Business-purpose and portfolio solutions
What to consider
- Down payment and reserve requirements are typically higher
- Rental-income treatment varies by program
- Short-term-rental eligibility is property and market dependent
- Licensing, zoning, HOA, and local rental rules still apply
Short-term rental expertise
AirDNA-supported income analysis
Short-term rental income can look very different from a traditional long-term lease. For eligible properties and loan programs, we use AirDNA market data to help estimate a property’s potential rental income and support qualification.
AirDNA projections do not guarantee future rental income. Qualification remains subject to the specific loan program, property, appraisal, local requirements, and underwriting approval.- Airbnb and Vrbo properties
- Vacation rentals in Florida markets
- Projected occupancy and rental revenue
- Market-supported income analysis for eligible programs
Common questions
Helpful answers before you begin.
What is a DSCR loan?
A debt-service coverage ratio loan may qualify an investment property mainly by comparing its eligible rental income with its housing payment. Personal income documentation may be reduced or different, depending on the program.
Can projected short-term-rental income help me qualify?
For eligible programs and properties, market data such as AirDNA may help support projected short-term-rental income. The lender, appraiser, property, and market must still meet program requirements.
Can I finance my first investment property?
Yes, some programs are available to first-time investors. Down payment, reserves, housing history, and experience requirements depend on the specific loan.
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