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Understanding First Investment Property
The world of real estate investing is full of potential, but navigating the financing landscape can be challenging. Traditional lending requirements often focus on personal income, leaving many would-be investors struggling to qualify. However, alternative mortgage products like DSCR loans are changing the game.
DSCR loans qualify based on rental income, not personal income.
How NMHL Helps
Proven solutions for first investment property
Personalized Consultation
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Guided Process
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Your Path to Homeownership
Free Consultation
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Explore Options
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Pre-Approval
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Close with Confidence
We guide you through closing smoothly.
Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
A DSCR (Debt Service Coverage Ratio) loan is a type of mortgage that qualifies based on the rental income generated by the investment property, rather than the borrower's personal income. NMHL offers DSCR loans with competitive terms, allowing investors to qualify with a ratio as low as 0.75.
Yes, NMHL's DSCR loans are available for first-time investment property buyers. Our loan officers will help you understand the qualification requirements and guide you through the application process.
NMHL offers investment property loans with varying credit score requirements. While traditional lenders may require a minimum credit score of 620 or higher, some of NMHL's Non-QM programs can accommodate credit scores as low as 500 in certain cases.
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