Investment & Rental Financing

More doors.
Without overextending the base.

Investment property financing should be built around your return targets, leverage strategy, and exit plan — not around a lender's standard checklist. We work with real estate investors who want the financing to support the strategy, not the other way around.

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The Investor Difference

Financing built around
the deal — not the form.

Most lenders treat investment property loans as a compliance exercise. They check DTI, credit, and reserves, then hand you the standard investor rate sheet. They do not ask about your cap rate target, your 1031 timeline, whether you are building a portfolio or doing a flip, or how this property interacts with your primary residence equity.

We structure around those questions first. The loan product comes second. That means you know going in whether the financing actually supports the return you are expecting — and what happens when occupancy or rates move against you.

Discuss My Investment Goals
Investment property strategy
Loan Programs

Products for every investor profile.

From the first rental property to a multi-unit portfolio, we match the program to the deal structure and your broader financial picture.

Our Process

From deal to funded.

01

Deal & Portfolio Review

We look at the property, your existing portfolio, and your financing goals together. Understanding the full picture helps us select the right program and structure — not just the cheapest rate on one deal.

02

Program Match

We match your file to the right loan type — DSCR, conventional, or portfolio — and model the return impact of each option at your target leverage. You see the real numbers, not just the rate.

03

Close and Scale

We close the loan and keep your portfolio structure in mind for the next deal. Many of our investor clients have done multiple properties with us because we track the full picture across transactions.

Common Questions

Investment Property FAQ.

Conventional investor loans typically require 15–25% down depending on units and loan size. DSCR and non-QM programs often start at 20–25%. Some programs allow 10–15% in specific situations. We will match you to the best leverage point for your return targets.

A DSCR (Debt Service Coverage Ratio) loan qualifies on the property's rental income rather than your personal income. If the property's rent covers 1.0–1.25x the mortgage payment, you typically qualify regardless of your tax returns. This is ideal for self-employed investors, those with portfolio complexity, or experienced investors who want income documentation off the table.

Yes. We work with clients doing 1031 exchanges regularly and understand the timeline constraints — the 45-day identification window and 180-day close requirement. We will make sure your financing does not become the bottleneck in a time-sensitive 1031.

Many DSCR and portfolio programs allow closing in an LLC or living trust. Conventional Fannie/Freddie loans typically require an individual borrower. We will help you understand the trade-off between entity protection and loan program access for your situation.

Watch

DSCR, conventional, or portfolio —
what the right structure looks like.

See how investor financing decisions get made when the LO actually understands rental cash flow, depreciation, and the trade-offs between leverage and reserve requirements.

More on @TheClearClose on YouTube →

Free interactive tool

Will it qualify?
Get the DSCR ratio in 30 seconds.

The single number every investor lender runs on your file is DSCR — monthly rent divided by monthly PITIA. 1.25 or higher usually means best rate. Below 1.0 means a specialty program with bigger down payment. Punch in the rent, the purchase price, and the down payment to see exactly where a property lands before you write the offer.

DSCR Calculator Affordability (Primary) Refi Break-Even
1.25+Best DSCR rate tier — rent comfortably covers PITIA
No W2DSCR qualifies on the property's income, not tax returns
$0Stored — your numbers never leave your browser
Verified client reviews

What people actually say
about working with Jason.

Verified · ★★★★★
“I found Jason on YouTube.”

After following him through many videos, I reached out to him. He promptly responded with text, email and call. He followed up daily to be sure that I was on track. He was able to answer all of my questions.

Manuel R. Winters, CA · Oct 2025
Verified · ★★★★★
“Extremely patient and knowledgeable.”

The IRS did not release my tax records for months and Jason helped me wait calmly and reassured me everything would fall into place. It did, and the rates were better.

James L. Santa Cruz, CA · Dec 2025
Verified · ★★★★★
“He stuck with me through the whole process.”

Jason's 1-on-1 guidance and explanation of the process. He stuck with me and by me through the whole process to make sure I understood and that I was getting the best deal possible for my situation. I see this as a continuous relationship.

Tracy H. Rowlett, TX · May 2026

Reviews verbatim from 152 verified reviews on Experience.com → · All loans subject to underwriting approval. Equal Housing Lender.

What happens next

From the call to the close — three steps.

01

30-minute strategy call

Walk through your goals, your numbers, and the structures that fit. No credit pull. No documents required. You leave with a clear path or a clear "this is not the right move."

02

Soft credit pull + program match

If we move forward, a soft pull confirms your file profile and we match you to the right program. We share the side-by-side modeling on your actual numbers, not a generic rate sheet.

03

Application + clear-to-close

When you decide to move forward, we open the file, run underwriting, and stay on top of the timeline. Most digital HELOCs close in 5-15 business days. Other programs vary.

Build the portfolio
with a plan.

Whether you are buying your first rental or your fifteenth, the financing strategy matters as much as the deal. Let's talk through your portfolio and make sure the next move is structured right.

Book My Investment Strategy Call

Licensed in California and 40+ states nationwide.

Free 30-minute strategy call. No hard credit pull on the initial call. No obligation. If the numbers do not work for you, we will say so.

Sourcing OC Investment Properties?

Your loan strategist is also
a licensed Realtor in Irvine & OC.

When the same team underwrites the deal and represents you at the offer, the financing structure is baked into the negotiation — not bolted on after escrow opens.

Orange County Irvine