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Main Loan Types for Investors

Residential Rental Property Purchase

Most lenders offer the option to buy the rate down - typically by a full 1%. The cost to buy down the rate will be shown in the spreadsheet of offers - it is usually 1 Point or 1 percent of the loan per every 0.25% interest rate buy-down.

Loan Considerations

DSCR loans for residential properties may have different qualification criteria compared to multifamily properties. Lenders may focus more on the borrower’s personal income and creditworthiness.

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Residential Properties

Income Source

The primary income source for a residential property is usually rental income from a single tenant (if rented out) or the occupant’s mortgage payments.

Income Source

The primary income source for a residential property is usually rental income from a single tenant (if rented out) or the occupant’s mortgage payments.

Income Source

The primary income source for a residential property is usually rental income from a single tenant (if rented out) or the occupant’s mortgage payments.