INVESTMENT FINANCING

Financing an investment property is less about checking boxes and more about choosing the right structure.

Different loan types exist for a reason. The right one depends on how the property performs, how you qualify, and what you plan to do with it. As a licensed mortgage broker I work with multiple lenders to find the right product for your investment goals — not the easiest one for me.

Common Financing Structures

DSCR Loans Designed for rental properties. Approval is based primarily on the property's income rather than your personal income. If the rent covers the mortgage, you can qualify.

A good fit for:

• Long-term rentals

• Investors who are self-employed or have complex tax returns

• Investors scaling beyond traditional qualification limits

Bridge & Fix-and-Flip Loans Short-term financing used to acquire or improve a property before transitioning to long-term financing or selling.

Often used when:

• The property needs work before it can be rented or sold

• You're planning to reposition and exit within a shorter timeframe

• You need to move fast on an opportunity before permanent financing is in place

Vacation Rental / Short-Term Rental Loans Some lenders underwrite STR loans using projected short-term rental income rather than traditional long-term rent figures — which can significantly improve your qualifying numbers on a vacation rental property.

A good fit for:

• Properties in high-demand short-term rental markets

• Investors who want financing that reflects actual STR income potential

Conventional & Long-Term Rental Loans Traditional financing for stabilized properties with strong fundamentals.

A good fit for:

• Lower rates and predictable long-term payments

• Long-term holds with strong cash flow

• Buyers with strong income documentation and credit

Cash-Out & Equity Strategies Using existing equity to fund additional purchases or reposition your portfolio without selling the asset.

This can include:

• Cash-out refinances on existing investment properties

• Restructuring existing loans for better terms or cash flow

• Accessing capital for the next acquisition

How I Approach It

I don't push one loan type over another. We look at what the property is doing, what you want it to do, and which structure supports that best. Then we compare options across lenders and move forward with the one that fits.

Next Step

Not sure which structure fits your deal? That's exactly the kind of question I can help you work through before you commit to anything.

Book a Free Consultation

Ready to see if you qualify? Let's talk