Investor Loans

  • Purchase
  • Refinance
  • Cash Out
  • Consolidation
  • Residence
  • Investment

You can use Investor Mortgage loans for the financing purposes of PURCHASE, REFINANCE, CASH-OUT, DEBT-CONSOLIDATION, RENOVATION, REHAB, REMODEL, GROUND UP CONSTRUCTION for both your primary residence and for rental investment property.

Smart Financing Solutions for Real Estate Investors

At Rodney Rose Mortgage Team, we specialize in Investor Loans designed to help you grow your real estate portfolio with confidence. Whether you’re purchasing your first rental property or expanding your investment holdings, our flexible programs provide simple qualification options, competitive rates, and fast closings—so you can seize opportunities as they arise.

investor loans, DSCR loans, real estate investor financing

What Are Investor Loans?

Investor Loans, also known as DSCR (Debt Service Coverage Ratio) loans, are tailored for real estate investors who want to qualify based on the income potential of the property, not personal income or tax returns.

These loans make it easier for landlords and investors to finance rental properties without traditional income documentation.

Instead of using W-2s or pay stubs, lenders evaluate the rental income vs. loan payment ratio to determine eligibility—making it the ideal solution for self-employed borrowers and full-time investors.

Why Choose an Investor Loan?

With Rodney Rose Mortgage Team's Investor Loan programs, you can unlock financing opportunities that traditional banks often overlook.

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Qualification Based on Property Cash Flow

No tax returns or employment verification required.

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Finance Up to 20+ Properties

Grow your investment portfolio faster.

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Flexible Terms and Low Rates

Competitive interest rates and options for fixed or adjustable terms.

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Quick Closings Nationwide

Our streamlined process helps you close in as little as 10 days.

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No Income Verification Options

Ideal for self-employed or non-traditional borrowers.

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Available for LLCs and Corporations

Title your investment properties under your business entity.

Eligibility Loan Requirements

Homeownership

  • Must currently own a primary residence or investment property with existing equity.

Equity Requirement

  • Minimum of 15–20% home equity required after the new loan.

  • Combined Loan-to-Value (LTV) ratio typically capped at 80–85%.

Credit Score

  • Minimum 660–680 credit score depending on program.

  • Higher credit scores may qualify for lower interest rates and faster approval.

Debt-to-Income Ratio (DTI)

  • Total monthly debts, including the new mortgage payment, must remain below 43–50% of gross monthly income.

Income Verification

  • Stable and documentable income required — typically 2 years of consistent employment or self-employment.

  • Recent pay stubs, W-2s, or tax returns are generally needed.

Mortgage History

  • Your existing mortgage must be in good standing, with no late payments in the past 12 months.

Documentation You'll Need

The list of documentation items shown below is a good general list. However, based on your borrower profile overlayed with the specific loan program underwriting guidelines, you may need to provide additional information. In some circumstances, you may not need to provide the entire list of items. Speak with Rodney Rose, your trusted loan officer, for your specific documentation needed.

  • Tax returns - You will need to fill in a Form 4506-T, and provide your tax forms (the last 2 years should suffice).

  • Pay stubs, W-2s, 1099's, K-1's, or other proof of income -These include your most recent 1 month of pay stubs. If you are self-employed you must provide the two most recent tax returns as well as a year-to-date profit and loss statement. If you file a separate business tax return, you will need to provide the most recent 2 years along with a year-to-date profit and loss statement.

  • Bank statements and other assets - Lenders need your most recent 2 months bank statements and may request proof of your retirement accounts, assets, as well as other investment accounts.

  • Credit history and FICO score - Your credit report will be obtained which will provide details of your credit payment history, including any episodes of bankruptcies or foreclosures.

  • Gift letters - If any friend or family member wants to help you with the down payment or closing costs by offering you some cash you must provide a “gift letter” which states that the money is a gift and not a loan.

  • Photo ID - Provide a government issued ID with photo such as a driver's license or passport.

  • Renting history - Your history as a tenant on rent to guarantee you can pay your rent bills on time.

  • Co-Borrower or Co-Signor - If a Co-Borrower or Co-Signor is used in qualifying. You will need to provide all of the same items for them also.

Start Building Your Investment Portfolio Today

It’s time to make your money work for you. Discover how Investor Loans can help you grow your wealth through real estate.

The Investor Loans Process

Understanding the steps involved in obtaining an Investor loan helps ensure a smooth application process.

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Initial Consultation

Meet with a loan officer who specializes in Investor Loans to discuss your business structure, income situation, and mortgage goals.

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Preparation

Work with your CPA or accountant to prepare a comprehensive profit and loss statement covering your recent business activity, typically the last 12-24 months.

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Document Collection

Gather supporting documentation including business bank statements, business license, proof of business ownership, and personal financial information.

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Pre-Qualification

Receive a loan pre-qualification based on your Investor Loans and supporting documents, determining your purchasing power and loan options.

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Underwriting

Your application undergoes a thorough review by underwriters who specialize in evaluating Investor Loans and alternative income documentation.

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Closing

Upon approval, proceed to closing where you'll sign final loan documents and complete your home purchase or refinance.

Frequently Asked Questions

Get answers to common questions about P&L statement loans and how they work for business owners.

What is an Investor Loan?

An Investor Loan (often called a DSCR loan) is designed specifically for real estate investors who want to qualify based on the cash flow of the property rather than personal income. It’s ideal for borrowers who earn through rentals or own multiple investment properties.

What does DSCR mean?

DSCR stands for Debt Service Coverage Ratio, which measures a property’s ability to cover its mortgage payments using its rental income.

For example, if a property earns $2,000 in rent and the mortgage payment is $1,500, the DSCR is 1.33 — meaning the property generates enough income to cover its expenses comfortably.

Who can qualify for an Investor Loan?

Any real estate investor, landlord, or self-employed borrower looking to purchase or refinance a rental property can qualify. Traditional employment verification isn’t required, as the loan is based on property cash flow instead of W-2 income.

Do I need tax returns to apply for an Investor Loan?

No. Investor Loans do not require tax returns, W-2s, or pay stubs.

Qualification is based solely on the income potential of the property being financed, making it easier for investors with complex financial situations to get approved.

What types of properties can I finance with an Investor Loan?

✅Single-family homes

✅Multi-unit properties (up to 4 units)

✅Condos and townhomes

✅Short-term rental properties (Airbnb / VRBO)

Some programs also allow LLCs or corporations to hold title to the property.

How much can I borrow with an Investor Loan?

Loan amounts typically range from $100,000 up to $3 million, depending on your credit profile, property type, and the property’s DSCR ratio.

Can I use an Investor Loan to refinance an existing property?

Yes! You can use an Investor Loan to refinance an existing investment property to lower your rate, access cash-out for new investments, or consolidate multiple mortgages under one program.

© Copyright 2025 by E Mortgage Capital. Inc.

Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.

A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.nmlsconsumeraccess.org

Loan Officer at E Mortgage Capital, Inc. 3750 S Susan Street Santa Ana, Ca. 92704. NMLS#1416824 NMLS#1396861 DRE#00853403. Equal Housing Opportunity Lender. https://www.nmlsconsumeraccess.org. For State Requirements, go to https://www.emortgagecapital.com/licensing.