Who’s a Good Fit for Investment Financing
Borrowers buying or refinancing a rental who can document personal income (W-2, self-employed with full docs or bank-statement, etc.) and who meet investor down-payment and reserve expectations. Landlords adding a door. People refinancing a rental they already own.
If you are living in one unit of a 2–4 and renting the rest, FHA/VA/conventional primary rules may apply — see those pages. Second homes are not investment occupancy; say so up front so we do not put you in the wrong box.
When to use DSCR instead
DSCR looks at the property’s rent versus the proposed payment. Personal tax returns are often lighter or not the main story. If the deal only works because of rent, open DSCR and apply on that desk.
Conventional / jumbo investor notes
Investor occupancy usually means more down payment and stronger reserves than a primary home. Pricing is different. I will not print an LTV chart here. Jumbo investor loans are possible when the amount clears conforming — see jumbo.
Related investor tools
DSCR — rent-driven.
fix-and-flip · hard money — short-term.
bridge — temporary gap.
bank-statement — self-employed income on a non-DSCR path.
cash-out refinance — equity out of a property you keep as a rental (occupancy rules still apply).
What I need from you
Apply on this page for the personal-income investor path. Property address or listing, how you will hold title, and whether rent is the real underwriting story. If it is, I will send you to DSCR. You don’t have to research which of these you are.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.