For Real Estate Investors
Investment Property Loans
Every way to finance a rental — qualify on the property’s income, not your tax returns. Single-family to small multifamily, purchase, refinance, cash-out, and beyond, shopped across 20+ wholesale lenders in nine states.
9
States
20+
Lenders
0.75
Min DSCR*
$0
Tax returns
Loan programs for investors
Pick the product that fits the deal. Every one is priced across our full lender panel.
📈
DSCR Loans
Qualify on the property’s rent, with no tax returns or personal income docs. The workhorse investor loan.
Explore DSCR loans →💵
Non-QM
Bank-statement, asset-depletion, ITIN, and foreign-national options for self-employed and complex investor files.
Explore Non-QM →🏦
Cash-Out Refinance
Pull equity out of a property you already own to fund your next purchase or renovation.
Explore cash-out →💰
HELOC on Rentals
A revolving line against your rental’s equity, first or second lien, so cash is ready when the deal is.
Explore HELOC →🏠
Jumbo
High-value and higher-balance financing above conforming limits for premium investment properties.
Explore jumbo →🔨
Fix-and-Flip & Bridge
Short-term financing to acquire, renovate, and exit or refinance. Structured deal-by-deal.
Ask us about fix-and-flip →Match your goal to a loan
Not sure which product? Start from what you’re trying to do.
Buy a rental without showing tax returns — qualify on the rent
DSCR LoanSelf-employed and write-offs shrink my income — use bank statements or assets
Non-QMFree up cash from a property I own — for the next down payment or a rehab
Cash-Out / HELOCBuy, renovate, then flip or refinance — short-term project money
Call us — fix & flipForeign national or ITIN investor — no US income or SSN
Non-QM / DSCRHigh-dollar or portfolio purchase — above conforming limits
Jumbo / DSCRRun your deal before you call
Our free DSCR calculator checks the ratio, the pricing tier, and the rent you’d need to qualify — then shopping multiple lender quotes is one click away.
Why investors choose OnPoint
One broker, 20+ wholesale investor lenders. The box is wider than any single lender’s matrix.
0.75 → 0.00
Low-DSCR friendly
Standard programs to 0.75; no-ratio DSCR down to 0.00 at select lenders.
620–640
Flexible credit
DSCR files as low as roughly 620-640 FICO, with best pricing at 720+.
$0
No tax returns
DSCR qualifies on the property; non-QM on bank statements or assets.
to $3.5M
Big loan amounts
SFR, 2-4 units, condos, even condotels, up to $3.5M+.
1.15
Short-term rentals
Airbnb / Vrbo qualify at a 1.15 minimum DSCR.
LLC
Entity vesting
Close in an LLC or entity; portfolios up to 20 financed properties.
New
First-time investors
First-time investors and foreign nationals welcome at select lenders.
IO
Interest-only & buydowns
Interest-only payments and temporary rate buydowns available.
*Program parameters are illustrative and vary by lender, credit, property type, and occupancy. Not a commitment to lend.
Investor financing questions
Do I need tax returns or W-2s?
No. A DSCR loan qualifies on the property’s rental income versus its payment — no personal income docs. Non-QM options use bank statements or assets instead of returns. Great for self-employed investors whose write-offs shrink their reported income.
What’s the lowest DSCR you’ll finance?
Standard DSCR programs in our panel go down to about 0.75, and no-ratio DSCR programs fund ratios all the way to 0.00 at select lenders. A lower ratio means a lower maximum LTV and a rate premium, not an automatic decline. Run yours on the DSCR calculator.
Can I close in an LLC?
Yes. Investment-property loans can be vested in an LLC or entity (business-purpose), which is how most investors hold rentals. Portfolios up to 20 financed properties are supported.
Can a first-time investor or foreign national qualify?
Yes to both. First-time investors are welcome (usually a small LTV adjustment), and foreign-national and ITIN investors qualify at select lenders under DSCR and non-QM programs.
Do short-term rentals (Airbnb, Vrbo) count?
Yes. Short-term rentals qualify on DSCR at a minimum ratio of 1.15. Lenders use the appraiser’s market rent (Form 1007/1025) with a 25% haircut and/or your most recent 12 months of platform statements.
Which states do you lend in?
OnPoint is licensed in California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas, and Virginia.
Trusted by Real Estate Investors
Verified Google reviews from the investors and homeowners OnPoint has guided to the closing table across nine states.
Meet Your Mortgage Specialist
20+ years originating mortgages across every loan type, licensed since 2005. Same person from quote through closing.
Victor Santos
SENIOR LOAN OFFICER · NMLS #888844
Victor entered mortgage in 2002 as a loan processor and has been writing loans as a licensed LO since 2005. He shops your file across 20+ wholesale lenders, including specialists for every loan type. He'll match you to the right program and the right lender, not just the first one that says yes.
Experience: 20+ yrs originating (LO since 2005)
Personal NMLS: #888844
Company NMLS: #2134550
Licensed in: CA, CO, FL, ID, MD, NH, SC, TX, VA
Ready to finance your next property?
Tell us about the deal — purchase, refinance, cash-out, or flip — and we’ll shop it across 20+ investor lenders and come back with the program and pricing that fit. No credit pull to start.
- ☎(949) 486-8200
- ✉info@onpointmortgagepro.com
- 📍530 Technology Dr, Ste 100, Irvine, CA 92618 · Mon–Fri 8:00am–5:00pm PT
- ★5.0★ on Google, Yelp & Zillow · A+ BBB · Licensed in 9 states
OnPoint Mortgage Pro · NMLS #2134550 · CA DFPI (CRMLA) License 60DBO-140540. Equal Housing Opportunity. Business-purpose investment-property loans; not a commitment to lend. All loans subject to credit approval, underwriting, and property review.