Side by side
| DSCR Loan | Conventional Investment Loan | |
|---|---|---|
| Income documentation | None; rent qualifies | Tax returns, W-2s |
| Typical down payment | 20–25% | 15–25% |
| LLC vesting | Yes | No |
| Property count limit | Generally none | 10 financed properties |
| Rate | Higher | Lower |
| Prepayment penalty | Common | None |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
Explore each option
Investment property
DSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
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Home loanConventional Loans
A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
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