Residential Investment Financing

Evaluate financing for a residential rental property.

Certain business-purpose residential programs may consider qualifying rental income and property expenses. Program availability, documentation, leverage, credit, reserves, property eligibility, and underwriting requirements vary.

Explore My Options Start My Mortgage Application

NMLS #1900572Equal Housing LenderLicensed in DC · FL · MD · PA · TX · VA

Educational Program Explorer

Residential Rental Scenario Explorer

Enter general property and rental-coverage information to identify questions for a licensed mortgage loan originator. The result is not an eligibility decision.

1. What type of investment property are you buying or refinancing?

Standard Rentals (1-4 Units)Long-term rentals, single-family homes, townhomes, condos, duplexes, triplexes, or fourplexes.Short-Term Rentals & Vacation HomesProperties relying on seasonal nightly bookings like Airbnb or VRBO rather than annual leases.Another residential investment scenarioAnother non-owner-occupied one-to-four-unit residential property scenario or a property type you are not sure how to classify.

2. How does expected monthly rent compare to the total mortgage payment?

Rent appears to cover the estimated housing paymentThe property's monthly rental income covers or exceeds principal, interest, taxes, insurance, and HOA fees.Rent appears lower than the estimated housing paymentThe expected rent may not cover the estimated principal, interest, taxes, insurance, and applicable association charges.

Answer every question to see a program category that may be worth discussing.

Request a licensed-MLO program review

We will use your name and email only to respond to this program-review request. Do not send identity, immigration, tax, banking, or other sensitive documents through this form.

What a residential investment review considers

Property cash-flow review

Certain programs use a defined rental-income and property-expense calculation. Additional borrower, credit, asset, and documentation review may still apply.

Entity vesting may be available

Some programs may permit eligible entity vesting. Borrowers should consult qualified legal and tax professionals about ownership structure.

Program-specific property limits

Financed-property limits and portfolio requirements vary by program and require current guideline review.

No-Fluff Math

The Investor's Math: How DSCR Is Calculated

DSCR = Rental Income ÷ PITIA

Rental Income — the gross expected monthly rent the property generates.
PITIA — Principal, Interest, Taxes, Insurance, and Association (HOA) dues.
A ratio of 1.0 means the stated rental income equals the stated PITIA. Program calculations, documentation, and required ratios vary and must be verified for the specific transaction.

Model My Property's DSCR →

Program Guidelines & Realities

Business-purpose residential investment programs differ in how they review rental income, borrower documentation, and repayment structure.

✓ Possible program features

Some programs may use a rental-coverage calculation as an important part of the review.
Interest-only repayment structures may be available under certain current programs.
Documentation, appraisal, credit, assets, reserves, and property requirements remain program specific.

i Capital Realities

Investment contracts may include prepayment terms that need to be modeled before closing.
Reserve requirements vary and must be verified for the selected program.
Required borrower investment and maximum leverage vary by program and transaction.

Frequently Asked Questions

Straightforward answers before you apply.

How does a DSCR loan work without personal income?

The core test is gross expected monthly rent divided by the total monthly mortgage payment, including principal, interest, taxes, insurance, and HOA costs.

Can I use this for Airbnb or seasonal short-term rentals?

Some programs may review eligible short-term rentals, but acceptable income documentation and calculations vary. Booking history or third-party projections do not automatically establish qualifying income.

What if rent does not fully cover the mortgage payment?

A licensed mortgage loan originator can review whether any current program warrants discussion. A rental shortfall does not by itself establish eligibility or approval.

Scaling beyond a single property? Explore our portfolio expansion strategy →

Investor DSCR Program Disclosures: Mortgage products highlighted on this page are limited to non-owner occupied business investment properties. Scenario configurations, leverage profiling, and dynamic response paths generated via this portal serve strictly as preliminary educational evaluations for real estate investors and do not constitute a commitment to lend, a formal Loan Estimate, or a commitment to lock an interest rate. Final terms depend on appraisal, asset validation, credit review, investor guidelines, and complete underwriting.