Investment Property Financing
The right financing structure can make or break your investment returns. Whether you're buying your first rental property or adding to an existing portfolio, I'll help you evaluate the options and find the program that maximizes your cash flow and ROI.
As a broker at Barrett Financial Group, I have access to over 150 wholesale lenders, each with different guidelines, rate sheets, and program structures. That means I can match your specific scenario to the best available product, whether it's a conventional investment loan, a DSCR program, or a more creative non-QM solution.
Property Types
- Single-family rental homes
- Duplexes, triplexes, fourplexes
- 5-10 unit multifamily buildings
- Short-term rentals / Airbnb
- Mixed-use properties
- Portfolio refinances
- Fix-and-hold with permanent financing
- Hard money exit / bridge-to-perm
Available Programs
- DSCR, qualify on rental income
- Conventional, best rates for W-2 borrowers
- Bank Statement, self-employed investors
- Non-QM, flexible for complex deals
- Interest-Only, maximize cash flow
- Cash-Out Refinance, tap equity
- Rate & Term Refi, lower your rate
- Bridge-to-Perm, exit hard money
FAQ
How many investment properties can I finance?
With conventional financing, Fannie Mae caps you at 10 financed properties. With DSCR and non-QM programs, there's no standard limit, the constraints are your credit profile, liquidity, and each property's economics. I work with investors who carry 10+ simultaneous investment mortgages.
What's the minimum down payment?
Typically 15-25% depending on the program, property type, and credit. Conventional investment loans start at 15% for single-family with strong credit. DSCR loans typically require 20-25%. Multi-unit (5+) generally requires 25-30%.
Can I refinance out of a hard money loan?
Yes, this is one of the most common scenarios I handle. If you purchased with hard money and have completed your rehab, I can refinance you into permanent financing at significantly lower rates. I work with lenders who specialize in these bridge-to-perm transitions.
Can I finance investment properties outside California?
Yes. For business purpose loans (investment properties), I can originate in most states nationwide. For primary residence purchases, I'm currently licensed in AZ, CA, IL, MI, MN, NH, NJ, TX, and WA.
Apply online or call me to discuss your scenario.
