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Real Estate Investor Financing
Helping investors build wealth through real estate
From long-term rentals to portfolio expansion, explore lending solutions designed to help real estate investors acquire, refinance, and grow income-producing properties.
Easier qualification made for real estate investors
Real estate investing often requires more flexibility than traditional mortgage programs provide. Bank CMG offers specialized financing solutions that can help investors qualify using rental income or property cash flow, access competitive pricing, and leverage financing strategies designed for long-term portfolio growth.
Why Bank CMG
Financing solutions designed to support every stage of your investment journey
Debt Service Coverage Ratio (DSCR)
Easier loan qualifications for real estate investors.
DSCR Loans allow real estate investors to qualify for a loan based on property cash flow instead of traditional W2 income.
- Approval based on anticipated property income
- Can finance multiple properties without worrying about traditional DTI restrictions
- Available for single-family rental, multi-unit properties and short-term rentals
- Loan amounts as high as $3 million
Private Label Security (PLS)
Investment property financing with fewer fees.
Our Private Label Security can offer significantly better pricing on investment property loans.
- Available for 1-unit to 4-unit properties
- Loan amounts from $100,000 up to $2.4 million+
- 10-15% down payment
All In One Loan®
Combine your mortgage, checking, and home equity access into a single account.
The All In One Loan is designed to help eligible homeowners reduce interest costs, build equity faster, and improve cash flow flexibility.
- Qualify with bank statements instead of W2s
- Loan amounts up to $6 million
- 24/7 access to equity
FAQ
Frequently Asked Questions
We’re here to help! Find answers to your everyday banking questions.
Real estate investor loans can be used to purchase or refinance a variety of income-producing properties, including single-family rental homes, condos, townhomes, and 2–4 unit residential properties. Eligibility varies based on property type, occupancy, and loan program guidelines.
Many real estate investor financing programs allow borrowers to qualify based on the property's rental income rather than traditional employment income. This can help investors expand their portfolios without relying solely on tax returns or W2 income.
Yes. Whether you're purchasing your first rental property or growing an established real estate portfolio, there are financing solutions designed to meet different investment goals, experience levels, and property strategies.
Yes. Real estate investors can often refinance existing rental properties to lower monthly payments, access equity, improve cash flow, or consolidate financing across multiple properties.
Many investor loan programs allow borrowers to finance multiple properties simultaneously. Loan limits, qualification requirements, and available financing options vary by borrower and program.
Investment property financing can help investors preserve cash reserves, leverage capital more effectively, build long-term wealth through real estate appreciation, generate rental income, and expand their real estate portfolios over time.
Bank CMG offers a variety of financing solutions designed for real estate investors, including options that consider property cash flow, flexible qualification methods, competitive loan amounts, and programs tailored to rental property ownership and portfolio growth.
Resources
Financing a Home Without a W2
Learn how to buy with no W2 needed
Alternative Finance for Self-Employed People
Check out more home financing options made for you.