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Investor Property Mortgages​

Grow Your Property Investment Portfolio

Investor Property Mortgages Made Simple

Investing in a rental? Get qualified based on expected monthly rental income. We make property investments easy! Fill out the form below to get started.

Fill out the form below

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What type of rental property are you looking for?

After completing the form on this page, someone from our mortgage team will contact you within 1-2 business days.

If you need to speak with someone today please call 800-320-0447 or 585-288-2930.

Please note that your information is saved on our server as you enter it. 

This form is not an application.

Streamlined Investment Mortgages

For real estate investors eyeing rental properties, navigating the complexities of income property mortgages just got easier. We specialize in DSCR and cash-flow only solutions, enabling you to qualify based on anticipated rental income. This approach not only simplifies the process but also accelerates your growth, saving you both time and money. 

Tailored to fit your unique investment goals, our financing options are designed to evolve with your expanding portfolio, making your real estate investment journey straightforward and cost-effective.

Grow Your Real Estate Investment Portfolio with Investor Flex

Our Investor Flex program allows financing up to 20 properties, utilizing each property’s monthly rental income for investment property qualification, instead of the borrower’s personal income. 

This exclusive program provides up to $3M in loans for purchases and refinances, enabling real estate investors to expand their portfolio. Investors have the option for a 1-, 2-, or 3-year pre-payment penalty for better rates, saving funds for other investments, provided they adhere to the pre-payment period conditions. 

For more details on guidelines and qualifications, visit our Investor Flex Products page.

*Information is subject to change. Certain restrictions apply. Subject to borrower approval. Not applicable in West Virginia. Not available on Texas 50(a)(6). Pre-payment penalties by state as permissible by law. Pre-payment penalty options not available in District of Columbia, Alaska, Kansas, Massachusetts, Minnesota, New Jersey, New Mexico, and Vermont.

Why an Investor Cash Flow Mortgage is a Great Option for Real Estate Investors

If you invest in real estate, an investor cash flow mortgage can be an excellent option to help you to continue to finance properties without needing to show your specific income from your job or other sources, but instead rely on the cash flow from your properties. This is particularly beneficial in the state of California where the real estate market is hot and ultra competitive.

Having access to this kind of financing can help you get approved faster as well as get you approved for more money than going through the long and tedious steps of a conventional mortgage.

However, it’s worth noting that you’ll need to demonstrate that you’ve been involved in the real estate investing industry or you have experience owning and managing multiple properties for at least six months.

In addition, you’ll need to have three months’ worth of reserves in order to qualify.

Why Choose Us

First Time Investors

LLCs, LPs, and Corporations

Cash Flow Loans

No Personal Income

Cash Out

Loans up to $2.5M

Elevate Your Portfolio with Cash Flow-Based Financing

Our COIN DSCR program is designed for real estate investors, focusing on investment property cash flow instead of traditional employment verification for loan qualification. By evaluating the Debt Service Coverage Ratio (DSCR), this program assesses an investor’s ability to manage monthly payments, offering a streamlined path to financing. 

With features like 40-year fixed and adjustable-rate mortgages, up to 80% LTV, and acceptance of short-term rental income, it’s an ideal choice for both seasoned and first-time investors aiming for growth.

*Information is subject to change. Certain restrictions apply. Subject to borrower approval.

COIN Highlights:

  • No Disclosures or Required Wait Periods
  • 85% Max LTV
  • 620 Minimum FICO
  • Gift Funds Allowed
  • Loan Amounts Up to $2.5MIL
  • First Time Investors Welcome
  • Cash Out Can Be Used as Reserves (Up to $750K C/O Available)

What Our Clients Say...

Get Started Today

Discover your Investor Mortgage options by taking our quick mortgage quiz.