Residential investment

Residential Investment (1–4 Unit) Loans

DSCR and non-QM financing for single-family rentals, duplexes, triplexes, and fourplexes. Qualify on the property's cash flow — not your personal DTI. Portfolio loans for investors with 5+ doors.

See my options How it works

Best for

  • Single-family rental (SFR) investors
  • Duplex, triplex, and fourplex owners
  • Short-term rental (Airbnb / VRBO) operators
  • Investors building or refinancing a rental portfolio

What you'll need to qualify

  • 1–4 unit residential investment property (owner-occupied does not qualify)
  • DSCR of 1.0×+ (some programs go to 0.75× with lower LTV)
  • Credit score 640+ typical (700+ for best pricing)
  • 20–30% down payment (or equivalent equity on refinance)

How it works

  1. 1

    Submit the property address, purchase price / current value, and rent roll (or short-term rental income).

  2. 2

    We match to DSCR / non-QM lenders — approval is based on the property's DSCR (rent ÷ debt service), not personal income.

  3. 3

    Close in 15–30 days. Portfolio loans available for investors financing multiple properties.

The trade-offs

Pros

  • • No personal income / DTI documentation required
  • • No limit on number of financed properties
  • • Fast close relative to traditional bank
  • • Cash-out refinance available up to 70–75% LTV

Trade-offs

  • • Rates typically 100–200 bps above owner-occupied conforming
  • • Higher down payment than owner-occupied
  • • Property must cash-flow at close (DSCR ≥ minimum)

Not ready to apply?

Ask us about Residential Investment (1–4 Unit) Loans

Tell us roughly what you need and a Caplli advisor will come back with real lender appetite — no application, no credit pull.

No credit check to enquire · we never sell your details
A $500 credit review & due diligence fee applies once you formally apply — refunded if we can't get you terms.

See what you qualify for

Compare Residential investment offers from 75+ lenders. No credit hit, no obligation.

Start my application
Questions

Residential investment — common questions

What loan amounts does Residential investment financing cover?

$100K – $3M per property. 1–4 unit residential investment property (owner-occupied does not qualify)

How fast can a Residential investment close?

15 – 30 days. Close in 15–30 days. Portfolio loans available for investors financing multiple properties.

What rate should I expect?

DSCR-based pricing for well-qualified borrowers, on terms of 5 – 30 years. Actual pricing depends on leverage, sponsor experience, asset quality and where the debt markets are — the rate on your term sheet is the one that counts.

What do I need to qualify?

1–4 unit residential investment property (owner-occupied does not qualify). DSCR of 1.0×+ (some programs go to 0.75× with lower LTV). Credit score 640+ typical (700+ for best pricing). 20–30% down payment (or equivalent equity on refinance).

What should I watch out for?

Rates typically 100–200 bps above owner-occupied conforming. Higher down payment than owner-occupied. Property must cash-flow at close (DSCR ≥ minimum). We'll tell you which of these actually bite on your deal rather than leaving you to find out at underwriting.

Ready when you are

Ready to price a Residential investment?

Submit the deal and we'll bring you competing terms from lenders with active appetite — or talk it through with an advisor first.

Start your application → Schedule a call

Free quote, no credit check.