Investor loan programs
Nine tools. One question: which one is cheapest for your deal?
DSCR is the flagship. The rest exist because not every rental fits one box — and because sometimes the boring conventional loan wins on rate. Tiaira prices the realistic options side by side and tells you which one she’d pick if it were her money.
The core three
DSCR and its two subtopics
DSCR Loans
Qualify on the property’s rent instead of your tax returns. The investor loan this whole site is built around.
Read the guide →Non-Warrantable Condo Loans
When the building doesn’t fit Fannie/Freddie’s rules — investor-heavy, litigation, low reserves — there’s still a path.
Read the guide →Bank Statement Loans
Self-employed and your tax returns don’t tell the real story? 12–24 months of deposits can qualify you instead.
Read the guide →Supporting programs
When the deal calls for something else
Conventional Investment Property Loans
The agency route: full income docs, often a lower rate than DSCR, and up to 10 financed properties.
Learn more →House Hacking Loans (Owner-Occupied 2–4 Units)
Live in one unit, rent the rest. Low down payment because it’s your home — and the rent helps you qualify.
Learn more →Investor Cash-Out Refinance (BRRRR)
Pull equity out of a rental you already own — the “refinance” step of BRRRR — to fund the next one.
Learn more →Short-Term Rental (STR) Loans
DSCR financing for Airbnb- and VRBO-style properties — qualified on booking history or market rent data.
Learn more →Interest-Only DSCR Loans
A lower monthly payment for the first 5–10 years — and on some programs, a better DSCR ratio because of it.
Learn more →Asset Depletion Loans
Qualify using your liquid assets as income — for investors, retirees, and anyone asset-rich and paycheck-light.
Learn more →How Tiaira picks
The decision, roughly
- Will you live there? Yes → house hacking (owner-occupied). No → keep going.
- Does the rent cover the payment? Yes → DSCR, especially if you want an LLC or already have several properties. No → keep going.
- Are your tax returns strong? Yes → conventional investor loan, usually the lowest rate. No → keep going.
- Self-employed with good deposits? Yes → bank statement loan. Retired or asset-rich? → asset depletion.
- Is the building the problem? Condo that fails agency review → non-warrantable condo loan, often paired with one of the above.
Then she prices the top two anyway, because the flowchart is a starting point, not an answer.
Found a property? Run it by Tiaira.
Text her the address and the rent. You’ll get a straight read on whether it pencils as a DSCR deal — no pressure, no jargon, no obligation.