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Mortgages for Real Estate Investors

Mortgages for Real Estate Investors

Qualify with rental income. Flexible mortgage solutions for California landlords, 2–4 unit buyers, and seasoned property investors.

Flexible Mortgage Options for Real Estate Investors

At New Omni Bank, we understand real estate investment requires mortgage options that look beyond your personal income. Our investor-focused loan programs — including DSCR (Debt Service Coverage Ratio) mortgages — allow you to qualify based on the cash flow of your rental property.

Whether you’re buying a 2–4 unit building or refinancing your existing portfolio, we provide flexible, property-based financing to help grow your investments in California and beyond.

Who This Mortgage Is For

Real estate investors purchasing rental properties

Landlords refinancing income-generating properties

Buyers of 2–4 unit buildings or vacation rentals

Clients using rental income to qualify

Non-owner-occupied property buyers in California markets

What You’ll Need

You’ll typically need the following:

Lease agreements or projected rental income estimates
Positive Debt Service Coverage Ratio (DSCR)
Strong credit (typically 660+)
Down payment (varies by property type and program)

Eligible Loan Programs

Cashflow Qualified Mortgage

Designed for experienced investors
Higher leverage, lower rates
U.S. Citizen, Permanent Resident, Non-Permanent Resident (with proof of lawful residency)
700+ FICO

2-4 Unit Rental Property Mortgage

Available for newer investors or higher-risk properties
U.S. Citizen, Permanent Resident, Foreign National
660+ FICO

Why Borrowers Choose New Omni Bank

Qualify with rental income, not personal earnings
Ideal for investors with multiple properties
Local market expertise with bilingual lending support
Flexible loan structures for 2–4 unit buildings and SFR rentals
In-house underwriting for faster approvals and closings

Ready to take the next step toward your new home?

Talk to a mortgage specialist today to explore your best financing options.

New to Buying a Home in the U.S.?

Explore our step-by-step guide for international and first-time U.S. homebuyers.

Read Now

Frequently Asked Questions About Investor Mortgages

1. What is a DSCR mortgage?

A Debt Service Coverage Ratio (DSCR) mortgage lets you qualify for a loan based on a property’s income, not your personal income. Lenders divide the property’s monthly rental income by its monthly property expenses (including principal, interest, taxes, and insurance).

DSCR = Rental Income ÷ Property Expenses

A DSCR of 1.0 means the income just covers the expenses.
A higher DSCR (e.g., 1.2 or 1.25) means the property generates positive cash flow — which reduces risk for lenders and may improve your loan terms.
A DSCR below 1.0 means the property’s income doesn’t fully cover the costs, and approval may require stronger credit, reserves, or experience.

2. Are DSCR loans available for foreign nationals?

Yes. Some programs are available to foreign nationals or non-permanent residents with proof of lawful U.S. entry.

3. What credit score is needed for an investor mortgage?

Most DSCR loans start at a 660 FICO score, but stronger scores (700+) may allow higher loan amounts or better rates.

4. Can I use future rental income to qualify?

Yes. We accept projected rents from market rent surveys or lease agreements when determining DSCR eligibility.

5. What does “SFR rental” mean?

An SFR rental refers to a Single-Family Residence (a standalone home) that is leased to tenants. For investor mortgages, lenders use market rent estimates (from appraisals like Form 1007) or existing lease agreements to determine whether the SFR rental generates enough income to qualify for a DSCR loan.

This income helps the property — not the borrower — meet the lender’s coverage requirements.