Conventional investment loans, agency terms for documented income.
Conforming Fannie Mae and Freddie Mac financing for rental property, for investors whose tax returns show their income: long fixed terms on the agencies’ own guidelines, and a path to DSCR or bank statement loans when they do not fit.
Conventional, DSCR or bank statement?
| Term | ConventionalTax returns | DSCRThe property’s rent | Bank statementYour deposits |
|---|---|---|---|
| Qualifies onWhat the lender reads to decide. | Tax returns, W-2s, debt-to-income | The rent against the payment | Your deposits, after an expense factor |
| Close in an LLCHow the property is held. | Generally in your own name | Yes | Varies |
| How many propertiesFinanced at once. | Up to 10 (agency rule) | No agency cap | Program by program |
| Best whenThe situation each fits. | Your income documents cleanly | The rent covers the payment | Write-offs shrink your taxable income |
When a conventional loan does not fit — an LLC, an 11th property, write-offs — the DSCR loan or the bank statement loan usually does.
Conventional investment loan questions
What is a conventional investment property loan?
A conforming loan for a rental, underwritten to Fannie Mae or Freddie Mac guidelines on your documented income: tax returns, W-2s and your debts.
How many financed properties can I have?
The agencies allow up to ten financed properties for one borrower. Past that, DSCR loans have no agency cap.
Can I close in an LLC?
Agency loans are generally made to individuals. To hold the property in an LLC, a DSCR loan fits.
Conventional or DSCR?
Conventional usually prices best when your income documents cleanly and you have debt-to-income room. DSCR qualifies on the rent and leaves your income out.
Is this for my own home?
No. Our loans are business-purpose, for non-owner-occupied investment property.
Not sure which loan fits? Send us the deal.
The property and how your income documents — we’ll tell you which path prices best.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.