DSCR loans, portfolio loans, seller financing, cash-out refinancing, and current FHA and conforming loan limits for 2-4 unit properties.
Start here
Start with the DSCR loan guide. It is the product most investors use to grow past conventional lending caps, and its ratio math drives every other loan type here.
Investor LoansHow portfolio lenders underwrite rental property differently from DSCR lenders, a side-by-side on the same $250,000 triplex showing a $9,000 interest gap, when each product wins, and how to find and approach a portfolio lender.
Investor LoansThe 2026 conforming and FHA loan limits by unit count, how high-cost county ceilings work, what the limits mean for your maximum purchase price at 3.5%, 5%, and 25% down, and the limits that actually constrain 2-4 unit buyers.
Investor LoansHow to pull equity from a duplex or fourplex to buy the next one: cash-out refinance LTV caps and seasoning, HELOC availability on investment property, the rate trap that decides between them, tax treatment of the proceeds, and two worked examples.
Investor LoansHow owner financing works on duplexes and fourplexes: why sellers agree, the note and security instrument, land contracts and wraps to avoid, negotiating rate, balloon, and prepayment, the federal rules that apply when you will live in the property, and a full worked example.
Investor LoansHow portfolio loans and commercial-style mortgages differ for 2-4 unit and small apartment investors: who underwrites what, fixed periods and balloon risk, recourse, prepayment structures, and the questions to ask any lender before you sign.
Investor LoansDSCR loans explained from the lender's side: how the ratio is calculated, the 1.00 / 1.25 tiers, typical 2026 guidelines for down payment, credit, reserves, and prepayment penalties, and a worked example of a self-employed investor who qualifies only under DSCR.