Loan Program

Investment Property Loans

Purchase and portfolio strategies for real estate investors.

Overview

Investment-property loans finance 1-4 unit rentals held as pure business assets — long-term rentals, short-term rentals, and small multifamily. We match your goals to the right structure: Conventional (for personal-name financing with the best rate), DSCR (for LLC purchases without personal income docs), or portfolio (for scale).

Who it's for

First-time investors
Landlords building a portfolio
Airbnb / STR operators
Investors buying in a Texas LLC

Benefits

1-4 unit financing
LLC or personal-name closing
Portfolio-friendly — no cap on financed properties on DSCR
Long-term and short-term rental strategies

Common Questions

How much down do I need?

Typically 20-25% for 1-unit and 25-30% for 2-4 units, depending on program and credit.

Can I use future rent to qualify?

Conventional lets us use 75% of a market-rent appraisal or lease. DSCR uses actual or market rent to compute coverage ratio.

Are short-term rentals financeable?

Yes — via DSCR using AirDNA projections or STR history, or Conventional using long-term market rents even if you plan to run STR.

Explore other programs

Conventional FHA Loans VA Loans USDA Loans Jumbo Loans Bank Statement Loans DSCR Loans Non-QM Loans Down Payment Assistance Commercial Financing Refinance Cash-Out Refinance HELOC Home Loan

Financing Provided Through

Clear Rate MortgageLicensed Mortgage Lender · NMLS #2470446

Mike Keys · NMLS #2795829 · Company NMLS #2470446

A boutique client experience, backed by a national lending platform.

· Company licensed in 17 states
· Broad portfolio of loan solutions
· Experienced lending & operations team
· Professional service from application through closing