Investment Property Loans – DSCR & Business Purpose Residential Loans
Real estate investors often face challenges securing financing through conventional loan programs backed by Fannie Mae and Freddie Mac. While conventional loans offer competitive rates and low costs, they come with strict income, employment, underwriting, debt ratio requirements. These loan programs, requirements, and limitations, do not always align with an investor’s goals.
At JZ Mortgage Services, we specialize in Investment Property Loans, also known as DSCR (Debt Service Coverage Ratio) Loans or Business Purpose Residential Loans. These flexible financing options are designed for real estate investors who need a streamlined process, competitive terms, and the ability to scale their portfolio.
Why Choose JZ Mortgage Services for Investment Property Loans?
We partner with dozens of wholesale lenders, ranging from the largest nationwide financial institutions to boutique lenders that focus exclusively on investor loan programs. This allows us to provide industry-leading rates, diverse program options, and tailored financing solutions that are not directly available to the general public.
Program Highlights:
✔ Up to 85% LTV (Loan to Value) for purchases
✔ Up to 80% LTV for cash-out refinances
✔ Up to 90% LTC (Loan-to-Cost) for renovation or Fix & Flip loans
✔ Renovation loans available – finance both purchase price and rehab costs
✔ No personal income verification, no employment history, no tax returns required
✔ No debt-to-income (DTI) ratio requirements – qualification based on property cash flow
✔ Loan amounts from $75K up to $5 million
✔ Finance 1-4 unit properties, multifamily (5-50 units), condos, and mixed-use properties
✔ Title vesting allowed in LLC, entity, or personal name
✔ Fixed-rate, adjustable-rate (ARM), and interest-only loan options
✔ Cash-out refinancing available for flips, short-term holds, or portfolio expansion
✔ Flexible seasoning requirements – ideal for property flippers and BRRRR investors
✔ Access to exclusive loan programs and competitive rates through our extensive lender network
✔ Expert guidance from our team of licenced mortgage professionals specializing in investor financing
Designed for Real Estate Investors
Our Investment Property Loan Programs allow investors to qualify based on a property’s rental income rather than personal income or employment history. Whether you’re purchasing your first rental, expanding your portfolio, or refinancing to access capital, we provide the best investment property loan options to fit your strategy.
Get started today! Contact us to discuss your options or complete our Free Quick Quote below for a hassle-free loan experience.
