Yes — conventional loans can finance 1–4 unit investment properties. Expect higher down payments, stronger credit, and careful treatment of rental income. For larger portfolios or DSCR-style underwriting, we also offer investor-focused options.
Investment financing is still conventional — but priced and underwritten for landlord risk.
Many conventional investment purchases start around 15–25% down depending on units, credit, and LTV.
Lenders may use lease agreements and appraisal market rents, often with a vacancy factor.
Stronger credit scores and more months of reserves are common investor overlays.
Conventional investment loans typically cover single-family through fourplex rentals.
Full-doc conventional uses your personal DTI; DSCR products underwrite the property’s cash flow differently.
Underwriting looks at you and the property’s ability to carry the debt.
Conventional investment loans work well when you have solid personal income documentation.
Lock numbers early so offers and timelines stay realistic.
Step 1
We match conventional full-doc vs DSCR or Non-QM based on income and property goals.
Step 2
Lease and market-rent assumptions drive how much of the rent helps qualification.
Step 3
Down payment, reserves, and rehab buffers should be documented before you bid.
Step 4
Appraisal, insurance, and final numbers align for a landlord-ready closing.
Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles from our blog on conventional loans, credit, and homebuying.
Jul 17, 2026 • 2MG Daily
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Oct 2, 2026 • 2MG Daily
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Conventional investment purchases often require about 15% or more down; exact LTV depends on credit, units, and investor overlays.
Often yes, subject to lease history, appraisal rents, and guideline haircuts. First-time landlords may see tighter treatment.
If you will not occupy it as a primary residence, yes. Owner-occupied 2–4 unit homes follow primary-residence rules instead.
When personal DTI is tight, income is hard to document, or you want property-cash-flow underwriting. We compare both paths.
Share the property type and your income picture — Ryan or Steve will compare conventional, DSCR, and other investor paths.