Investment Property Loans
Build wealth through Portland real estate — we handle the unique qualification requirements.
Overview
Investment property loans finance properties you won't live in — rentals, flips, or multi-unit buildings. They come with different rules than primary residence loans: higher down payments, higher rates, and stricter qualification. But Portland's rental market makes investment properties a strong wealth-building strategy when financed correctly. We work with investors at every level, from first-time landlords buying a duplex to experienced investors scaling their portfolio.
Who It's For
How It Works
Strategy Session
We discuss your investment goals, target returns, and portfolio strategy. First property or tenth — the approach is different.
Product Matching
Conventional, DSCR, portfolio — we match the right loan product to your investment strategy.
Analysis & Approval
We underwrite the deal, analyze cash flow projections, and secure approval.
Close & Cash Flow
You close, place tenants, and start building wealth.
Requirements
These are general guidelines, not a quote or commitment to lend. Actual terms depend on credit approval, income, and underwriting — not all applicants will qualify, and programs and requirements are subject to change without notice. Through Movement Mortgage we have access to additional programs with different requirements. Contact David & Bri for options specific to your situation.
Pros & Cons
Advantages
Considerations
Calculator
Purchase & Financing
25.0% down · Loan: $262,500
Added to down payment for cash-on-cash calculation.
Rental Income
Total rent from all units before any deductions.
Laundry, parking, storage, etc.
Operating Expenses
Typical: 5–8%. Applied to gross income.
Typical: 8–10% of EGI. Set to 0 if self-managing.
Typical: 5–10% of EGI. Covers maintenance and capital reserves.
Landlord/dwelling policy. Usually higher than owner-occupied.
Leave at $0 if no HOA.
Monthly Cash Flow
-$81
This property is cash flow negative by $976/yr. Consider a higher rent, lower price, or different financing.
Monthly PITI
$2,316
P&I + tax + ins + HOA
Annual Cash Flow
-$976
NOI
$20,513
Before debt service
Cap Rate
5.86%
Solid
Investor Metrics
Cash-on-Cash Return
-1.01%
-$976 / $96,250
DSCR
0.95×
Below break-even
Annual Pro Forma
This calculator provides estimates for informational purposes only. Actual income, expenses, and returns will vary. Consult a real estate professional and tax advisor before making investment decisions.
FAQ
3 questions
How much do I need to put down on an investment property?
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Typically 15% for a single-family rental and 20-25% for multi-unit or DSCR loans. House hacking (living in one unit of a multi-unit) lets you use primary residence down payments as low as 3.5% (FHA).
What is a DSCR loan?
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A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the property's rental income rather than your personal income. If the rent covers 1.0-1.25x the mortgage payment, you can qualify regardless of your W2 income. Great for self-employed investors or those with multiple properties.
Can I use rental income to qualify?
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Yes. On conventional loans, we can use 75% of documented rental income. On DSCR loans, the property's income is the primary qualification factor.
Ready to explore investment?
Schedule a complimentary consultation. We'll review your situation and tell you honestly whether this is the right move.