Conventional Investor Financing
If your income supports it, the traditional route can be the cheaper one.
Conventional financing works for investment properties too — usually with a larger down payment, but often at a lower cost than a specialty loan. If your personal income qualifies, compare both routes before you choose.
No credit pull. No obligation. I'll get back to you personally — usually the same day.
240+
Lenders competing for your loan
21,000+
Five-star reviews
John Kleopoulos
Mortgage Loan Originator · NMLS #2686219 · Backed by Loan Factory
THE RIGHT LOAN DEPENDS ON THE DEAL
The right loan depends on the deal, not a default.
Investors tend to assume one of two things: that they need a specialty product, or that conventional is always cheaper. Neither is safe. For a straightforward rental where your personal income comfortably qualifies, conventional is often the lower-cost path. For a more complex situation — many properties, non-W-2 income — DSCR may unlock what conventional can't. The point isn't which is "better." It's which is better for this deal, and that's the comparison we'll run.
Common Worries
The four assumptions investors make too early
"I probably need a specialty loan."
Not if your personal income comfortably qualifies. For your first few rentals, conventional is often the lower-cost path — same familiar framework, applied to a non-owner-occupied property.
"Conventional is always cheaper."
Often, but not always — and once portfolio size starts bumping conventional limits, DSCR may be the better tool. I'll tell you where that line is for you.
"The down payment is going to be huge."
Typically more than a primary home, yes. I'll give you the real figure for your situation instead of a worst-case guess.
"Owning several properties already is going to hurt me."
It can, under conventional limits. That's usually the point where the DSCR comparison earns its keep.
How It Works
Why one bank's answer isn't the whole story
The real value here isn't one product — it's having someone put conventional and DSCR side by side and show you which actually wins for your deal. I check 240+ lenders across both, and since my pay doesn't change based on which you pick, the only thing steering the recommendation is your numbers.
A
One product, one answer
B
Conventional vs. DSCR
C
You win
Illustrative — outcomes depend on your full application.
FAQ
Questions people don't want to ask out loud
Conventional or DSCR — which should I use?
Depends on your income, the property, and how many you own. I'll compare both directly so you can see the trade-off.
Can I refinance an investment property later?
Yes — and we can revisit the conventional-vs-DSCR question then too, as your portfolio grows.
Can I use rental income from the property to qualify?
Often, partially — conventional guidelines let you count a portion of projected rent. It helps, but your personal income still carries most of the weight.
Will you pull my credit just to run the comparison?
No. Nothing gets pulled or submitted without you saying so.
What happens next
Here's exactly what happens next — nothing more
01
You reach out.
Form, call, or text — whichever's easiest.
02
I get back to you personally.
Not an assistant, not a queue. Same day.
03
We talk for 15 minutes.
No credit pull, no pressure, no judgment.
KEEP READING