Investment property financing that qualifies the deal, not just you.

Two ways to finance a rental

Conventional investment loans underwrite you the traditional way — credit, income, DTI — with a larger down payment than a primary residence and pricing that reflects the added risk of a non-owner-occupied property.

DSCR loans (debt-service coverage ratio) qualify on the property instead: lenders compare the expected rent to the proposed mortgage payment. If the rent covers the payment (a ratio at or above roughly 1.0, program-dependent), the loan can work without tax returns or personal income verification. They are popular with self-employed investors and anyone whose returns understate real cash flow.

What investors usually ask lenders about

• Down payment and reserve requirements for the specific property type
• Whether rental income from the subject property counts toward qualifying
• Prepayment penalties (common on DSCR loans — know the terms)
• Closing in an LLC vs. personally (many DSCR lenders allow entity vesting; conventional generally does not)
• How many financed properties the program allows

Short-term rentals and 2–4 units

Some DSCR lenders will underwrite short-term rental income; others require long-term leases. Two- to four-unit properties are eligible on most programs and can carry higher conforming limits ($1,066,250 for two units, $1,288,800 for three, $1,601,750 for four in most of the U.S. for 2026, per FHFA).

Where Quickie Mortgages fits

Tell us about the property, the numbers, and whether you want to qualify on rent or on your own income. We connect you with licensed lenders who lend on investment property in that state, and they call with actual programs and pricing.