🏘️ Investment Property Loans
Financing rental properties in Oregon, Washington & Idaho
Whether you’re buying your first rental or expanding your portfolio, structuring the right loan is key to making the numbers work. I work with investors across Oregon, Washington, and Idaho to match financing solutions with real investment goals — from long-term cash flow to smart equity plays.
📈 Using Rental Income to Qualify
Yes — rental income can be used to help you qualify.
Most lenders allow 75% of the projected or actual rental income to be applied directly against the proposed monthly mortgage payment (PITI), reducing your debt-to-income ratio and improving your loan approval odds.
✅ Example: If market rent is $2,400/month, lenders may apply $1,800/month toward offsetting the mortgage. That makes a big difference when you’re qualifying for additional properties.
💰 Loan Types for Investment Properties
| Loan Type | Min Down | Key Benefits |
|---|---|---|
| Conventional | 20–25% | Strong pricing and long-term stability for qualifying borrowers |
| DSCR Loans | 20–25% | Qualify based on property income, not personal income |
| Portfolio Loans | 20–30% | Flexible for short-term rentals, LLC ownership, or complex deals |
I’ll help you compare which loan structure fits best with your income, goals, and property type.
🔎 What Is a DSCR Loan?
DSCR (Debt Service Coverage Ratio) loans are a popular option for real estate investors because they:
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Don’t require W2s, tax returns, or DTI calculations
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Base approval on whether the property income covers the mortgage
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Work for both long-term and short-term rental strategies
A dedicated DSCR loan page is coming soon — I’ll link it here once it’s live.
🏠 Eligible Property Types
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Single-family rentals (SFR)
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2–4 unit properties (duplex, triplex, fourplex)
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Condos (in select cases)
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Short-term rentals (case-by-case, depending on lender)
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LLC-held properties (portfolio and DSCR options available)
📍 Areas I Serve
I provide investment property financing across:
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All of Oregon — including Portland, Eugene, Bend, Medford, Salem
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All of Washington — including Vancouver, Spokane, Tri-Cities, Tacoma
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All of Idaho — including Boise, Meridian, Nampa, Coeur d’Alene
Whether you’re local or remote, I’ll help you build a plan that fits your investment goals.
💼 Why Work With Me?
As a 100% independent mortgage broker, I:
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Shop multiple lenders to secure competitive rates
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Understand both investor cash flow strategy and lender guidelines
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Help structure purchases for self-employed borrowers, LLCs, or complex property types
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Move fast when opportunities hit the market
📞 Ready to Run the Numbers?
If you’re exploring your next rental or income property, I’ll help you compare loan options, run cash flow estimates, and identify the structure that works best for your scenario.
Associated Mortgage Brokers is not affiliated with or acting on behalf of any government agency.
