You searched:
“cannot qualify for investment property mortgage”
Investment property mortgages have higher bars than primary residences, but DSCR loans changed the game. Qualify based on the property's rental income, not your personal tax returns or employment.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Personal DTI too high for conventional investment loanSolution exists
- 2Self-employed income does not qualify traditionallySolution exists
- 3Already have multiple financed propertiesSolution exists
- 4Tax returns show low income due to write-offsSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
DSCR Loans
Qualify based on the rental property's income covering the mortgage payment. No personal income verification required.
Available nowBank Statement for Investors
Use personal or business bank statements to qualify for investment property financing.
Available nowPortfolio Lenders
Local banks and credit unions offer in-house portfolio loans with flexible investment property guidelines.
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No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Want to invest? We have the right loan for your property.
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Frequently Asked Questions
Debt Service Coverage Ratio loans qualify based on the rental property's income divided by the mortgage payment. If the ratio is 1.0+ (rent covers the mortgage), you can qualify without personal income documentation.
Conventional: 15-25%. DSCR: 20-25%. Portfolio: varies by lender. Higher down payments unlock better rates.
Yes. DSCR loans have no limit on the number of financed properties. Conventional caps at 10. Portfolio lenders set their own limits.
Want to invest? We have the right loan for your property.
We will reach out at a time that works for you. No pressure, no obligation.