Arizona • Colorado • Florida

Rental & Investment Property Financing — Clear Options for AZ, CO & FL

Financing an investment property isn’t the same as financing a primary home — and many investors find out too late that the rules, down payment requirements, and qualifying guidelines are different.

  • Investor-friendly guidance
  • No pressure
  • No credit check unless you proceed
  • Fast, clear next steps

Common Financing Paths for Rentals

Below are common ways rental and investment properties are financed. The “best” option depends on your property type, strategy, and how you’re structuring the deal.

Conventional Investment Loans

Often the go-to for long-term rentals, with varying requirements.

  • Down payment and reserves can differ from owner-occupied loans
  • Loan limits and guidelines vary by scenario
  • Good fit for stable buy-and-hold strategies

Cash-Out Refinance on an Existing Property

Use available equity to fund a purchase, improvements, or repositioning.

  • Works when equity and loan terms support it
  • Can help fund renovations or new acquisitions
  • Not always ideal depending on current rate/terms

DSCR Loans

Qualify based more on property cash flow than personal income (structure-dependent).

  • Great for certain investor scenarios
  • Terms and requirements vary by lender and property type
  • Best evaluated case-by-case

Portfolio / Alternative Structures

For unique property types, multi-property owners, or non-standard scenarios.

  • Useful for edge cases where conventional options don’t fit
  • Can help when the property or plan is “non-cookie-cutter”
  • Requires a quick review to identify the right path

Why Investment Financing Gets Complicated

Investment financing depends on more than credit score. Property type, projected rent, reserves, current portfolio exposure, and state-specific rules all impact what’s realistic.

That’s why generic online advice often falls short — a quick review is usually the fastest way to get clarity on what actually applies to your situation.

Get a Free Rental Financing Review

Share a few details about the property or strategy you’re considering. We’ll outline realistic financing paths and clear next steps.

I agree to be contacted regarding financing options. No credit check will occur unless I choose to proceed.

Typical response within 1 business day. No obligation.
Financing availability varies by state and property type. We currently operate in Arizona, Colorado, and Florida. No credit check is performed unless you choose to proceed.

Planning an ADU instead? See ADU Financing Options