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Investment property

Conventional investment property mortgage

The short answer Conventional investment financing can be used for eligible one- to four-unit rental properties. The lender reviews both you and the property, and rental income is documented and adjusted under agency rules rather than counting all projected rent. Occupancy, reserves, how many properties you already finance and other factors matter.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You are buying or refinancing a one- to four-unit rental property.
  • You can document your personal income.
  • You want to compare conventional rental financing with a DSCR loan.

Tradeoffs to weigh

  • Larger down payments and reserves are typically required than for a primary home.
  • Not all projected rent counts toward qualifying.
  • Owning several financed properties can add requirements.

What to have ready

  • The number of units and your intended use of each.
  • Whether you'll live in one of the units.
  • Current leases or expected rents.
  • How you're paid and other properties you own.

Questions people ask

Can rent help me qualify?

It may, depending on documentation and the applicable calculations.

Is buying a duplex always an investment loan?

No. Living in one unit can make it an owner-occupied loan instead, so tell your loan officer the actual intended use.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

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Related topics

DSCR rental loan Short-term rental financing Fix-and-flip financing Bridge financing Hard-money and private-money financing Portfolio or blanket financing See the loan programs All topics

Sources

Official program and consumer sources this page is based on. Lender rules can be stricter than these.

Marcus Wright
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Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

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  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
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I aim to get back to you within a few working hours, often sooner.

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