Investment Properties

How to Finance Investment Properties

Agency, DSCR, portfolio, and hard money — how to choose.

7 min readUpdated 2026Investment Properties

Agency vs non-QM

Conventional (Fannie/Freddie) investment loans cap at 10 financed properties and require full income documentation. Non-QM options like DSCR are unlimited and property-based.

Down payment expectations

Expect 15%–25% down on single-family investments and 25% on multifamily.

Investment Property ROI

Model DSCR and cash-on-cash returns.

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Key takeaways

  • Match program to portfolio strategy.

Frequently asked questions

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