Investment Property Loans & DSCR Financing Solutions
flexible investment property financing options
There's no doubt that investing in real estate can be a great way to build long-term assets and generate rental income. But what’s the best way to finance your investment property deals?
If you’re a real estate investor, we can help you take advantage of the opportunities in today’s market.
Program Details:
Our investment property loan program includes the following features:
- Financing up to 85% loan-to-value (LTV) on loan amounts up to $1 million for 1–4-unit investment properties
- Homebuyer can have up to 10 financed properties (contact your loan originator for details)
- As low as 620 credit score if you have 6 or fewer financed properties up to conforming loan amount
- Up to 6% in seller contributions allowed (contact your loan originator for details)
Financing from Waterstone Mortgage can help you make the most of your investment properties. We’ll guide you through the home loan process with expert knowledge and exceptional service.
DSCR loans: cashflow pro for investors
Cashflow Pro for Investors is designed to help you scale based on asset performance — not personal income. Cashflow Pro uses rental income to qualify — not W-2s, tax returns, or DTI — giving real estate investors a streamlined path to expand their portfolio with confidence.
Eligibility & Requirements:
- No income, employment, or DTI calculated on investment purchases or refinances
- Available for first-time and repeat investors/homebuyers
- Entity vesting eligible
Loan Features:
- Loan amounts up to $3 million
- Up to 85% financing available with no mortgage insurance
- No ratio option available
- Interest-only option available
Property Types:
- Mixed-use properties
- Non-warrantable condos
- Condotels
- Doublewide manufactured homes
- Multifamily homes (5+ units)
Investment Strategies:
- Fix-and-Flip
- Fix-and-Rent
The interest-only feature allows homebuyers to make minimum interest payments for a set period of time. When the interest-only period end, the monthly payment is recalculated to include full principal and interest payments for the remaining loan term.
Some program features may be available through a broker relationship with other lenders. Waterstone Mortgage is not affiliated with those lenders. Credit approval is at the sole discretion of the lender.
All loan requests are subject to credit approval as well as specific loan program requirements and guidelines. Geographical restrictions may apply. With adjustable-rate mortgages (ARM), the interest rate is variable and may increase or decrease after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment. Specific information about loan adjustment period available at application.
