No Tax Returns (DSCR)
Qualify based on the property's income, not yours. Ideal for self-employed investors.
DSCR & PortfolioFree qualificationIndependent platform
Investment property financing without the runaround.
DSCR loans, house hacking, multi-unit — AMLO connects you with loan officers who actually understand investor deals. No generic advice. No wasted calls.
See If I Qualify→
Free qualification · No credit pull
Built for investors
Specialists who do this all day.
Standard lenders treat investor deals like an afterthought. AMLO connects you with loan officers who run investor files every single week.
As Low as 15% Down
Competitive down payment requirements for qualified investors with strong profiles.
Close in 21 Days
Streamlined underwriting for investor deals. Move fast when you find the right property.
Portfolio Lending
No limit on financed properties. Scale your portfolio without hitting conventional caps.
Who this is for
Whether you’re buying your first rental or scaling a portfolio.
Buy-and-Hold Investors
Building a rental portfolio for long-term cash flow and appreciation.
House Hackers
Living in one unit, renting the rest. Smart way to start building wealth while your tenants cover the mortgage.
BRRRR Investors
Buy, rehab, rent, refinance, repeat. Need fast, flexible financing that understands the strategy.
Short-Term Rental Operators
Airbnb, VRBO, and other STR strategies. Specialized underwriting available for the right profile.
15%
Min down payment
21 days
Average close time
No limit
On financed properties
$0
Cost to check eligibility
Investor Financing FAQ
The investor questions that matter.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income the property generates, not your personal income or tax returns. If the property cash flows, you can qualify — even if you are self-employed or have complex tax situations.
How many properties can I finance?
With portfolio and DSCR programs, there is often no hard cap on the number of financed properties. Conventional loans typically limit you to 10 financed properties, but investor-focused programs go well beyond that.
Can I finance a property through an LLC?
Yes. Many DSCR and portfolio loan programs allow you to close in the name of an LLC or other business entity. This is common for investors who want asset protection and cleaner bookkeeping.
What kind of down payment do I need?
Investment property loans typically require 15 to 25 percent down, depending on the program, property type, and your credit profile. Some programs go as low as 15 percent for strong borrowers with good reserves.
Stop getting the runaround on investor deals.
Connect with loan officers who actually understand investment property financing. Free qualification check, no credit pull.