Short answer
Agency, DSCR, portfolio, and hard money — how to choose.
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.
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.
Key takeaways
- Match program to portfolio strategy.
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Related mortgage option
Ready to apply this to a real loan? Review how Investment Property Loans work in Florida, or estimate your monthly payment before you talk to an advisor.
Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.