Build the portfolio.
Know the numbers.
From a first rental to the next acquisition, structure financing around the property's role in your strategy.
Different properties need different financing
Conventional loans can work for eligible investment properties when your personal income and assets fit the guidelines. DSCR loans may focus more heavily on a property's rental income. Other non-QM options can address complex income or ownership structures.
Build an honest investment model
Look beyond rent and the mortgage payment. Account for vacancy, taxes, insurance, HOA dues, maintenance, management, reserves, and closing costs. The property's actual return depends on these costs and its performance over time.
- Compare conventional and DSCR eligibility
- Model rent, vacancy, and operating costs
- Plan for reserves and cash to close
- Review ownership, property type, and rental rules
Understand DSCR
The debt service coverage ratio compares qualifying property income to debt service. Lenders calculate it differently and may require rent documentation or an appraisal of market rent. Use the investment calculator for a planning estimate, then review the actual program requirements with Neev.
Let's finance the strategy, not just the property.
Tell Neev what you're working toward. You'll get a real conversation and options shaped around your goals.