Investors and second-home buyers
Investment property loans
Financing for rentals, second homes and portfolio growth.
What it usually takes
A down payment consistent with investor programs, reserves and a solid credit profile, and documentation appropriate to the chosen program.
Which loan fits
A rental does not automatically need DSCR or Non-QM. Conventional may use agency rental-income rules with your overall income; DSCR focuses on property cash flow; Non-QM covers alternative documentation.
Short-term rentals
Have a short-term rental? We compare conventional, DSCR and Non-QM options before you choose a loan.
Eligibility, limits and terms depend on the program guidelines in effect when you apply and on your full application. This page is general information, not a loan offer.
See if I qualifyOther programs
Conventional loans
Flexible, widely used financing for primary homes, second homes and investment properties.
FHA loans
Lower down payments and flexible credit requirements — one of the most accessible paths to owning.
VA loans
$0 down and no monthly mortgage insurance for eligible veterans, service members and their families.