Investment Property Loans in NC, SC & GA
Financing a rental or a flip works differently than buying your own home, and that difference can work in your favor. Some programs qualify on the property's income, not your W-2.
How it works.
There are a few paths. Conventional investment loans qualify you personally and usually want a larger down payment and reserves. DSCR loans (debt-service-coverage-ratio) qualify based on whether the property's rent covers the payment, so they don't rely on your personal income, which is popular with investors scaling a portfolio. For short-term projects, bridge and fix-and-flip financing fund the purchase and rehab. We match the loan to the deal and your strategy.
Who it's best for.
Real estate investors focused on cash flow, refinancing rehabs, or short-term projects.
What you'll typically need.
- Depends on the path. DSCR leans on the property's numbers; conventional leans on your income and reserves.
Common questions.
What is a DSCR loan?
It qualifies based on the property's rental income versus its payment, not your personal tax returns. Good for building a rental portfolio.
How much down do I need for a rental?
More than a primary residence, and it varies by program. We'll run your specific scenario.
Sources: Fannie Mae Selling Guide; lender non-QM/DSCR program guidelines.
Ready to see if this fits?
Schedule a free consultation and we'll walk through your numbers, or start an application when you're ready to move.
Markets where I help buyers with this
A note on program availability & disclosures
Program eligibility, guidelines, and pricing are set by the applicable investor, agency, or program (FHA, VA, USDA, Fannie Mae, Freddie Mac, and others) and are subject to change without notice. Not all applicants will qualify. This information is for educational purposes only and is not a commitment to lend or a guarantee of approval, rate, payment, or closing date. Equal Housing Opportunity.
Let's find the right fit.
One 30-minute call is usually all it takes to narrow the field and pick the right program.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity