Real Estate Investor
Whether you're acquiring your first rental or scaling a multi-property portfolio, we have the financing solutions to match your strategy — including DSCR loans, conventional investment financing, and portfolio products.
Financing Built for Investors
Real estate investors have unique financing needs that traditional banks often struggle to accommodate. Complex tax returns, multiple financed properties, LLC ownership structures, and the need to move quickly on deals all create friction in conventional lending channels.
The Mortgage Zone specializes in investor financing. We work with lenders who understand investment property underwriting and offer products specifically designed for portfolio growth — including DSCR loans that qualify on rental income alone, conventional investment loans, and portfolio products for experienced investors.
Whether you're buying a single-family rental, a small multifamily, or a short-term rental property, we'll find the right financing structure and close it efficiently so you can focus on growing your portfolio.
Investor Loan Programs
- DSCR Loans — qualify on rental income, no personal income docs
- Conventional Investment — 1–4 unit properties, 15–25% down
- Portfolio Loans — flexible underwriting for experienced investors
- Fix & Flip Bridge Loans — short-term financing for rehab projects
- Cash-Out Refinance — access equity to fund next acquisition
- Blanket Loans — finance multiple properties under one loan
Why Investors Choose Us
- 100+ lenders including investor-focused wholesale lenders
- DSCR loans in LLC or personal name
- Fast closings — critical for competitive markets
- No limit on financed properties with right programs
- Short-term rental (Airbnb/VRBO) financing available
- 25+ years of investor financing experience
Investment Loan Options
Multiple financing strategies for every stage of your investment journey.
New Investors
- Conventional investment loan (15–25% down)
- FHA owner-occupied 2–4 unit (house hack)
- Credit score 620+ required
- Up to 10 financed properties (Fannie/Freddie)
- Single-family and small multifamily
Experienced Investors
- DSCR loans — no income verification
- Portfolio loans — no property count limits
- LLC and entity-name borrowing
- Cash-out refinance to fund acquisitions
- Short-term rental income accepted
Active Flippers
- Bridge and hard money options
- Asset-based lending
- Fast closings (10–14 days possible)
- Rehab costs can be included
- Exit strategy to permanent financing
Let's Build Your Portfolio Together
Tell us your investment strategy and we'll identify the right financing structure from our network of 100+ lenders.
No credit pull required. NMLS #2697124
Ready to move forward? Get a free, no-obligation quote in under 2 minutes.