Real Estate Investment Loans
Expand your portfolio with your property’s expected cash flow. No Tax Returns. No personal income verification.
90 reviews on Trustpilot
Financing built around your property's cash flow.
Perfect for investors looking for flexible DSCR (debt service coverage ratio) loans to grow their rental property portfolio.
Property Types
Residential, STR & mixed-use
Occupancy
Long- or short-term, vacancy OK
Vesting
LLCs & partners welcome
Portfolio-Friendly Financing
Finance rentals, short-term stays, and mixed-use properties with 30-year fixed or interest-only terms.
$200K+
No maximum loan amount
Up to 90% LTV (80% cash-out), DSCR from 1.00
Cash-Flow Qualifying
We underwrite the property's rental income. No tax returns or personal income verification are required.
NationwideAvailable Nationwide
Available in all 50 states.
Common-Sense Qualifying
Approval built around strong borrowers, not just a checklist.
From 10%
Down payment
1.00+
DSCR
620+
Credit score
Do you qualify for this loan?
Here's what you need to qualify. Even if you don't meet every criterion, reach out. We'll help you find a path that works.
620+
Credit
You'll need a 620 score or better to qualify, with flexibility for strong financials.
From 10%
Down Payment
Down payments start at 10%, depending on your credit and loan amount.
2–5%
Closing Costs
Plan for roughly 2–5% of the amount you're financing to cover closing costs.
No DTI
Debt
We qualify you on the property's income, so personal debt-to-income isn't a factor.
Real Estate Investment Loans FAQs
Answers to the questions we hear most often about real estate investment loans.
A real estate investment loan is a type of loan that is used to purchase a property for the purpose of earning income through rental or other forms of real estate investment. The loan is secured by the property being purchased, and the terms of the loan are based on the projected income that will be generated by the property.
Modern Day Lending specializes in helping real estate investors get the funding they need to grow their portfolio.
For a traditional refinance loan, here is what you will need to provide:
- Proof of Assets
- Proof of Credits
- Driver's License
Yes! Debt-Service Coverage Ratio (DSCR) loans allow investors to qualify based on rental income instead of personal income. A DSCR of 1.0 or higher is typically required.
Portfolio loans allow investors to finance multiple properties under one loan, making it easier to manage payments and leverage equity across their portfolio.
We have access to programs that allow you to qualify with as little as 10% down.
Still have questions? Talk to a real person on our team.
Start My ApprovalRecent Fundings
We are committed to helping individuals and families achieve their homeownership goals.
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Learn before you borrow
Guides and insights to help you qualify with confidence and pick the right program.
Ready to get started?
Talk to a real person from our team right now.