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DSCR Rental Loans
Qualification is based primarily on the incoming rent rather than your personal income. In many cases, rent needs to equal or exceed the mortgage payment (PITI).
Investor Loans • DSCR
Finance property by the numbers.
Buy your first rental, expand your portfolio, or refinance an investment property with loan options built around the income the property produces.
DSCR loan specialists38 states availablePurchase and refinance options
200+investment property loans closed last year
A True Partner
Investment lending with profit as the focus.
Whether you are buying your first rental property, rehabbing your fifth, or entering the short-term rental space, Bayway Houston can help you close on the right loan.
Many lenders offer investment programs, but not every loan officer works with them every day. We understand investor timelines, property math, DSCR calculations, and the differences between long-term and short-term rental strategies.
Your investment property is more than just a loan. If you need a second head to bounce numbers off of, help evaluating comps or ARV, or a vetted contractor referral, we can help facilitate that too.
- Purchase, refinance, and portfolio strategies
- Long-term and short-term rental experience
- Investor-focused property analysis
- Investment Loan Options Available In 38 States
Multiple Investor Loan Programs To Fit Your Strategy
Programs
Investor loan options
Choose the structure that fits your property, timeline, and portfolio strategy.
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Conventional Investment Loans
Full-document loans can start at a 620 credit score with 20% down on a purchase. Refinances may reach 75% LTV for one unit or 70% for two units.
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FHA Multi-Family Loans
FHA can finance a multi-family property when it is your primary residence, with incoming rent considered for qualification. Low down payments may be available.
Where We Lend
DSCR loans available in these states
- AL
- CO
- CT
- DE
- FL
- GA
- HI
- IL
- IN
- KY
- LA
- MA
- MD
- MI
- NH
- NJ
- NM
- NY
- OH
- OK
- PA
- RI
- SC
- TN
- TX
- VA
- WA
- WV
- WI
- WY
Program availability, eligibility, terms, and state requirements may vary. Contact Bayway Houston to confirm the options for a specific property.
Ready to invest?
Send us your property scenario and we’ll help you find the right investor loan.