Investors Loans

Investment Property Loans
Build Your Real Estate Portfolio with the Right Financing
 
Whether you're purchasing your first rental property or expanding an existing real estate portfolio, MGB Financial offers financing options designed for real estate investors.

Investment property financing is different from financing a primary residence. Depending on the loan program, qualification may be based on your personal income and credit profile, the property's expected rental income, or the property's cash flow.
Purchase • Refinance • Cash-Out Refinance • DSCR • Rental Properties • 1–4 Units • Multi-Property Investors
 
What Is an Investment Property Loan?
An investment property loan is financing used to purchase or refinance real estate that you do not intend to occupy as your

primary residence.
Investors commonly use these loans to finance properties intended to generate rental income, appreciate over time, or become part of a larger real estate investment portfolio.
Investment properties may include:

• Single-family rental homes
• Condominiums
• Townhomes
• 2–4 unit residential properties
• Long-term rental properties
• Certain short-term rental properties
• Multiple investment properties
• Properties owned by eligible business entities, depending on the loan program

 
Investor Loan Programs
There is no single loan program that works for every investor. At MGB Financial, we can help evaluate different financing options based on your property, investment strategy, income documentation, credit profile, and cash-flow objectives.

Conventional Investment Property Loans
Traditional conventional financing may be available for qualified investors purchasing or refinancing residential investment properties.
Qualification typically considers factors such as:

Credit • Income • Assets • Reserves • Existing Debts • Rental Income • Property Value
Down payment requirements are generally higher for investment properties than for primary residences and depend on the property type and loan program.
 
DSCR Loans – Qualify Using Property Cash Flow
No Traditional Personal Income Qualification May Be Required

A Debt Service Coverage Ratio (DSCR) loan can be an attractive financing option for real estate investors because qualification generally focuses on the income or rental potential of the investment property rather than traditional personal income documentation.

How Does DSCR Work?
DSCR generally compares the property's qualifying rental income with its applicable housing expenses or debt obligations, according to the specific loan program.
Simply stated:
Rental Income ÷ Qualifying Property Expense = DSCR
A stronger DSCR generally indicates that the property's rental income provides greater coverage of its debt obligation.
Program requirements vary by lender.

DSCR Loans May Be Ideal For:

• Real estate investors
• Self-employed investors
• Investors with multiple properties
• Borrowers with complex tax returns
• Investors who prefer not to qualify using traditional income documentation
• Investors building rental portfolios

Potential DSCR Loan Features
Depending on the program and borrower qualifications, DSCR financing may offer:

• Qualification based primarily on property cash flow
• No traditional employment verification in certain programs
• No traditional personal income calculation in certain programs
• Purchase financing
• Rate-and-term refinance
• Cash-out refinance
• Financing for multiple investment properties
• Entity vesting options, including certain LLCs, where permitted

 
Use Rental Income to Help Qualify
Rental income can be an important part of investment property financing.
Depending on the loan program, the lender may consider qualifying rental income from sources such as an existing lease or an appraiser's market-rent analysis.
The amount of rental income that can be used and the documentation required depend on the specific loan program and underwriting guidelines.
 
How Much Down Payment Do Investors Need?
Investment properties generally require a larger down payment than owner-occupied homes.
Depending on the financing program, property type, credit profile, number of units, and other factors, investors may have several down payment options.
Rather than assuming you automatically need 20%–25% down, contact us so we can review the programs currently available for your particular investment.
Ask MGB Financial about current low-down-payment investor loan options that may be available to qualified borrowers.
 
Purchase Your First Rental Property
You don't have to own dozens of properties to be considered a real estate investor.
If you're purchasing your first investment property, we can help you understand:

• How much you may need for a down payment
• How rental income may be calculated
• Reserve requirements
• Credit requirements
• Estimated monthly payments
• DSCR qualification
• Conventional investor financing
• Closing costs
• Property eligibility

Our goal is to make the financing process understandable before you start making offers.
 
Already Own Investment Properties?
Expand Your Portfolio
If you already own rental properties, MGB Financial can help you explore financing strategies for your next investment.
Depending on the program, financing may be available for investors who own multiple financed properties or who want to continue expanding their portfolios.

Put Your Equity to Work
If your existing investment property has appreciated, a cash-out refinance may allow qualified investors to access a portion of their equity.
Funds may potentially be used for purposes such as:

Purchasing Another Property • Property Improvements • Business Purposes • Investment Opportunities • Building Your Real Estate Portfolio
Cash-out availability is subject to loan-to-value, property, borrower, and program requirements.
 
Why Finance Your Investment Property with MGB Financial?
25+ Years of Mortgage Experience
Investment financing isn't always straightforward. Different properties and investment strategies may require different loan programs.

MGB Financial can help evaluate your complete scenario and identify financing options that fit your investment objectives.
Multiple Investor Loan Options
We can review available programs for:
 

• Investment Property Purchase
• Investment Property Refinance
• Cash-Out Refinance
• DSCR Loans
• Conventional Investor Loans
• Rental Property Financing
• 1–4 Unit Investment Properties
• Portfolio Expansion
• Certain LLC/Entity Financing

Why Pre-Qualify Before Shopping?
Know Your Buying Power
Understanding your potential financing range before making an offer can help you focus on properties that fit your investment strategy.
Compare Financing Options
We can help you compare potential down payments, estimated payments, loan structures, and qualification requirements.
Evaluate the Property
For investment financing, it isn't only about the purchase price. Rental income, expenses, financing costs, and potential cash flow can all affect your investment decision.
Make Stronger Offers
Having your financing reviewed before making an offer can demonstrate to sellers and real estate agents that you are prepared to move forward.
 
Investor Loan Pre-Qualification
Ready to purchase your next investment property?
Start by telling us about the property you're considering and your investment goals.

START YOUR PRE-QUALIFICATION APPLICATION
Our team can review your scenario and discuss available investor financing options.
 
Not Sure Which Investor Loan Is Right for You?
That's exactly where we can help.
Whether you're buying your first rental home, refinancing an existing investment property, taking cash out, or expanding a portfolio, we'll help you compare available financing programs.

MGB Financial Services, Inc
25+ Years of Mortgage Experience
Investor Loans • DSCR • Conventional • Rental Properties • Purchase • Refinance • Cash-Out
Phone: 562-809-2643
Email: Loan@MGBFinancial.com
Website: www.MGBFinancial.com
Invest. Finance. Grow.

GET PRE-QUALIFIED
Loan programs, rates, terms, down payment requirements, credit requirements, DSCR calculations, rental-income requirements, property eligibility, and underwriting guidelines vary by lender and program and are subject to change. All loans are subject to applicable underwriting requirements and final approval. This information is for general informational purposes only and is not a commitment to lend.