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Willow CreekHome Finance
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Programme

Investment Property Loans

Whether you are buying a first rental or adding to a portfolio, conventional, DSCR, and portfolio loans each handle investment property differently.

Model it — Monthly paymentAsk about it

What it is

Investment property financing looks different from a primary residence in every direction: larger down payments, reserve requirements, and rules about how rental income is counted.

Most investors use conventional financing for the first few rentals, since it carries the most conventional documentation and terms. Past that point, DSCR loans, which qualify on property cash flow rather than personal income, are the common next step.

The details that decide an investor file are rarely the headline terms: vesting in an LLC, escrow waivers, prepayment structure, and how a lender treats short-term rental income all matter more than they look.

Who it fits

  • First-time landlords buying a rental
  • Vacation rental and short-term rental owners
  • Investors past the conventional financed-property limit
  • Buyers who want to use rental income to qualify

How it runs

  1. 1Strategy CallWe review your investment goals and match them to a program.
  2. 2Pre-ApproveA written pre-approval letter for making offers.
  3. 3Rent AnalysisThe appraiser provides a rent schedule supporting the property’s income.
  4. 4CloseInvestment files typically run on a standard purchase timeline.

Questions

How much down for an investment property?

Conventional purchases generally start at 15% down for one unit and require more for two to four units. DSCR programs generally want 20% to 30%.

What is a DSCR loan?

A loan qualified on the property’s rental cash flow, measured as rent divided by the full housing payment, rather than on your personal income.

Can I finance a short-term rental?

Yes, through DSCR or portfolio programs that will count projected short-term rental income. Requirements are tighter than for a long-term lease.

How many properties can I have?

Conventional financing caps out at ten financed properties. Portfolio and DSCR products are not bound by that limit.

Ask about the investment property loans

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This form does not send anything. It validates what you type and shows a confirmation. Nothing is stored in a database, nothing is emailed, and nobody will call you. Willow Creek Home Finance is a fictional company built to demonstrate a design system.

Other programmes

Fixed Rate Mortgage

A predictable rate and payment for the life of the loan.

FHA Home Loan

Government-insured loans with 3.5% down and flexible credit guidelines.

VA Home Loan

$0 down, no monthly mortgage insurance, reusable entitlement.

Rehab Loan

Finance the purchase and renovation of a home in a single mortgage.

USDA Loan

0% down loans for eligible rural and suburban homes.

Jumbo Home Loan

Financing for homes priced above the conforming loan limit.