Investment Property Loans
Investment Property Loans are tailored for real estate investors purchasing single-family rentals, multi-family units, or residential portfolios. Ramzi Faraj offers traditional portfolio underwriting as well as DSCR (Debt Service Coverage Ratio) options that focus on property cash flow rather than personal tax returns.
Who This Loan Program Is Designed For
Real estate investors, landlords, and wealth-builders growing rental income portfolios.
How Investment Property Loans Works
Underwriters evaluate either your personal debt-to-income (DTI) or the property's gross rental income versus mortgage debt service (DSCR ratio). Future estimated market rent (via Form 1007 appraisal) can offset mortgage costs.
Key Benefits & Advantages
Qualifications & Borrower Guidelines
- Minimum 20% down payment
- Credit score 660+ (700+ for best pricing)
- DSCR ratio typically 1.0 or higher (rental income exceeds monthly PITI payment)
- 6 months cash reserves for property debt service
Typical Required Documentation
Example Scenario
"An investor buying a duplex in Royal Oak for $380,000. Using projected rent of $3,200/month, Ramzi structured a DSCR mortgage that approved the loan based on property cash flow, preserving the investor's personal liquidity."
Frequently Asked Questions
What is a DSCR loan for investment properties?
A DSCR (Debt Service Coverage Ratio) loan evaluates the rental income generated by the property relative to the mortgage payment. DSCR loans typically require no tax returns or just one year, eliminating the need to verify personal W-2 income.
How much down payment do I need for an investment property?
A minimum 20% down payment is typically required for investment property financing.
Ramzi Faraj
Citizens State BankHave questions about Investment Property Loans? Contact Ramzi for a personal mortgage scenario review.
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