Investors
Financing built around how the deal actually works.
Investor files rarely fail on interest rate. They fail on documentation, reserves, entity structure, or a property type the program will not accept. Those are the things worth checking first.
Options investors ask about
Conventional investment property loans
Agency financing for rentals when personal income and credit support the file.
DSCR
Qualification driven largely by the property's cash flow rather than personal income documentation.
Bank statement programs
Deposits used as the income picture for self employed investors whose returns understate cash flow.
Asset depletion
Approaches that consider documented assets instead of relying on monthly income alone.
Cash out refinancing
Pulling equity out of an existing property, subject to program limits, reserves, and seasoning rules.
After a major credit event
Some programs allow financing following a significant credit event once specific conditions are met.
More than ten financed properties
Certain programs continue past the limits that stop conventional financing.
Foreign national borrowers
Programs for investors whose income and credit are established outside the United States.
Non warrantable condos
Financing for condo projects that fall outside standard agency project requirements.
What determines the right structure
The answer depends on the property's cash flow, how your income is documented, the reserves you can show, whether you are buying in an entity, the property type, your credit, and what you are trying to build over the next few years. Two investors buying the same duplex can belong in two different programs.
I do not give tax or legal advice. Entity structure and tax treatment are questions for your CPA and attorney. What I can do is tell you how a given structure affects financing.
Program availability and terms depend on the borrower's qualifications, the property, documentation, underwriting, and current program guidelines. Nothing here is an offer, an approval, or a commitment to lend.
Related: all loan options · Austin home loans · contact
Bring me the deal before you go under contract.
Send the property, the numbers, and how your income is documented. I will tell you which structures are realistic.