🏘️ How to Fund Your Rentals: DSCR Loans, No-Doc Mortgages & Beyond 📊

📦 Investment Property Loans Made Easy: DSCR, No-Doc & More 💰

July 12, 2025•2 min read

📦 Investment Property Loans Made Easy: DSCR, No-Doc & More 💰

🏘️ How to Fund Your Rentals: DSCR Loans, No-Doc Mortgages & Beyond 📊

📦 Investment Property Loans: DSCR, No-Doc, and More

For real estate investors, finding the right financing can make or break a deal. Traditional mortgage underwriting often doesn’t work for full-time investors, especially if you’re self-employed, have multiple properties, or prefer to keep your tax strategies tight. That’s where flexible investment property loan options—like DSCR and no-doc loans—come in.

What Are Investment Property Loans?

Investment property loans are mortgages specifically designed for income-generating properties—whether it’s a single-family rental, a duplex, or a small multifamily property. These loans aren’t for your primary residence—they’re built for investors.

Let’s break down the top options:

🔢 1. DSCR Loans (Debt-Service Coverage Ratio)

Best for: Investors with strong rental income

DSCR loans don’t look at your personal income. Instead, they qualify the loan based on how much rent the property generates versus the mortgage payment. If your property's DSCR is 1.0 or higher, you’re likely eligible.

Example: If your rental generates $2,000/month and your mortgage is $1,800/month, your DSCR = 1.11. That’s a green light for lenders.

Pros:

· No W-2s or tax returns required

· Fast approval

· Ideal for growing a portfolio

📄 2. No-Doc & Low-Doc Loans

Best for: Self-employed borrowers and cash buyers who want leverage

No-doc loans skip the full documentation process. Lenders may rely on bank statements, asset balances, or even just your credit score and down payment to qualify you.

Pros:

· Privacy: No digging through your income

· Faster closings

· Flexible structures (interest-only, short term, etc.)

🏗️ 3. Fix-and-Flip & Rehab Loans

Best for: Short-term investors or BRRRR strategy fans

These loans are structured to help you buy, renovate, and flip or refinance. Terms are short (usually 12–24 months) and focus on the after-repair value (ARV).

💼 4. Portfolio Loans

Best for: Investors with 5+ properties

Once you outgrow traditional mortgages, a portfolio loan lets you finance multiple properties under one loan. This can streamline payments and open doors to better terms.

🧠 Final Thoughts

If you’re serious about building a real estate portfolio, you need financing that works as fast as you do. DSCR, no-doc, and investor-focused loan programs give you the leverage you need without the paperwork headaches.

Ready to explore your investment loan options? Let’s build a plan that fits your strategy and helps you scale.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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