Investment Property Loans
Finance Your Real Estate Portfolio
Looking to expand your rental portfolio, acquire a short-term Airbnb, or break into real estate investing? Salute Mortgage offers tailored investment property loan solutions to help you build wealth and generate passive income—without jumping through endless hoops.
Whether you’re a seasoned investor or just getting started, we provide fast approvals, competitive investor mortgage rates, and programs built for real-world returns.
Get Your QuoteTypes of Investment Property Loans We Offer
🏢 Conventional Investment Property Mortgage
- Great for 1–4 unit rentals
- 15–30 year fixed-rate options
- Requires full documentation, credit score of 620+, and 15–20% down
- Best for investors with strong personal income and tax returns
📈 DSCR Loan (Debt Service Coverage Ratio)
- Qualify based on rental income, not personal income
- Ideal for full-time real estate investors
- No tax returns or employment verification required
- Perfect for both short-term rental financing (Airbnb/VRBO) and long-term rental properties
💼 No Income Verification Investor Loans
- Close quickly with minimal documentation
- Based on property cash flow, assets, or bank statements
- Flexible terms for unique income scenarios
What Is a DSCR Loan?
A DSCR loan evaluates the property’s ability to generate enough rental income to cover the mortgage payment. If your debt service coverage ratio is 1.0 or higher, you may qualify—regardless of your job, W-2, or tax returns.
Example:
- Rent: $2,500/month
- PITIA: $2,200/month
- DSCR: 1.14 → eligible
This makes DSCR loans ideal for investors who own multiple properties or use legal tax write-offs that reduce reported income.
Investment Property Loan Requirements
| Requirement | Standard Guideline |
|---|---|
| Credit score | 620+ for conventional, 660+ for DSCR loans |
| Down payment | 15–25% depending on loan type |
| DSCR threshold | Typically ≥ 1.0 (for DSCR loans) |
| Property type | Single-family, duplex, triplex, fourplex, condos |
| Occupancy | Must be non-owner-occupied investment use |
Why Choose Salute for Rental Property Financing?
✔️ Access multiple loan types: conventional, DSCR, no-doc
✔️ Invest in short-term or long-term rentals
✔️ Close fast—some deals fund in as little as 15 days
✔️ Transparent pricing and investor-focused underwriting
✔️ Work with experts who understand real estate investing
Short-Term Rental Financing (Airbnb Loans)
Financing an Airbnb or vacation rental? We offer short-term rental loans that factor in projected rental income or appraised market rents—even if the property has no current lease in place.
✅ Use DSCR or bank statement options
✅ Eligible for properties zoned for short-term stays
✅ Ideal for vacation homes used part-time as income-generating assets
Investment Property Loan FAQs
We offer a variety of financing options for investment properties, including conventional loans, DSCR (Debt Service Coverage Ratio) loans, jumbo investment loans, and bank statement loans for self-employed investors. Whether you’re buying your first rental or expanding your portfolio, we’ll help you choose the right solution.
Investment properties typically require a minimum of 15% to 25% down, depending on the loan type and number of units. Your credit score, property type, and income strategy will help determine your exact requirements.
Yes! Many programs allow you to use anticipated or existing rental income to help qualify for the mortgage. In fact, DSCR loans are specifically designed to approve borrowers based on the property’s cash flow rather than personal income.
Generally, yes—interest rates for investment properties are slightly higher than for primary residences due to increased risk. However, strong borrowers may still qualify for competitive rates. We’ll help you find the most cost-effective path based on your goals and property type.
Start Investing With Confidence
Your next investment doesn’t have to wait. With Salute Mortgage, you get the guidance, tools, and capital to take action today.
Get Your Quote