Investment Property Loans & DSCR Financing Solutions
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 with our investment property loans (Investor Edge 90) or DSCR loans (Cashflow Pro for Investors).
flexible investment property financing options
with Investor Edge 90
Investor Edge 90 is designed to help qualified real estate investors expand their portfolios while preserving more capital for future opportunities.
Loan Features:
- Up to 90% LTV for loan amounts up to $1.5 million
- Up to 85% LTV for 2–4-unit properties
- No mortgage insurance
- Available to investors with up to 50 financed properties
- Interest-only option available*
Eligibility & Requirements:
- Investment properties only
- Full documentation required
- Buyers using rental income to qualify must own a primary residence
Eligible Property Types:
- Attached and detached single-family homes
- 2–4-unit properties
- Planned unit developments (PUDs)
- Warrantable condominiums — ask for details
- Rural properties
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.
