Conventional financing for a rental: down payment, reserves, and rental-income treatment. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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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.
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.
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Related guides to help you compare options and move toward pre-approval.
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Share the property type and your income picture — Ryan or Steve will compare conventional, DSCR, and other investor paths.