Structure before you shop
How you hold title and how you document income shape which programs apply. Decide these with your loan originator and your own tax advisor.
loan programs
Investor Loans
Investor financing covers the purchase and refinance of property you do not live in, including 1–4 unit rentals.
One of the best ways to hedge inflation is to invest in real estate. Whether you are buying your first rental or your 15th rental, we are here to help! We know how to work with complex tax returns and lending 1–4-unit properties. Learn how to leverage equity from one or multiple properties so that you can acquire more real estate.
Program description as published on bossmortgage.com/products (preserved verbatim).What this financing is
Investment property financing is reviewed differently from a primary residence: occupancy, rental income treatment and reserves all come into the picture.
Boss Mortgage works with complex tax returns and with 1–4 unit properties, and can explain how equity in properties you already own may be used toward acquiring more.
Who it may be a fit for
First-time rental property buyers
Investors with several properties
Owners considering a cash-out refinance to acquire more property
Borrowers with complex returns
Owners moving property into an entity
Not sure if Investor Loans fits your situation?
A licensed Boss Mortgage loan originator can look at the details with you and explain what applies to you.
What to think about
Rental income treatment varies
How existing and projected rents are counted depends on the program.
Portfolio growth is a sequence
Each acquisition affects the next one. Planning two deals ahead usually works better than one at a time.
Get your own tax advice
Boss Mortgage does not provide tax or legal advice. Work with your CPA and attorney on ownership and tax questions.
How the process works
1. Get approved
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Shop with a clear budget in mind. When you find the right property, your loan originator can help you understand the financing details that apply to that home and your offer.
Once you are under contract, the BOSS Mortgage team helps keep the loan moving through documentation, underwriting, and closing so you can get the keys and move forward.
Frequently asked questions
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It compares the income a property produces to the debt payment on that property, and it is used in investment and commercial real estate financing.
Boss Mortgage works with investors on both purchases and refinances structured this way.
Is personal income reviewed on a DSCR loan?
DSCR structures focus on the property's ability to cover its debt service, which is why investors often consider them. The specific documentation an investor requires can still vary.
A loan originator who works with these programs can outline what a particular scenario would require.
Can I finance more than one rental property?
Many investors hold multiple properties. Boss Mortgage works with complex tax returns and with 1–4 unit properties, and can explain how equity in one property may be leveraged toward another.
What is a conventional loan?
A conventional loan is mortgage financing that is not insured or guaranteed by a government program such as FHA, VA or USDA. It follows the guidelines of the investors who purchase these loans.
Terms, rates and programs are subject to change, and not all customers will qualify.
Does a conventional loan require mortgage insurance?
Mortgage insurance on a conventional loan depends on the amount you put down relative to the value of the home and on current investor guidelines.
Your loan originator can show you how it would apply to the scenario you are considering.
Can a conventional loan be used for a second home or rental property?
Conventional financing is often used for primary residences, and there are also guidelines that address second homes and investment properties. Requirements differ by occupancy type.
If you are buying a rental, ask about investor and DSCR options as well so you can compare structures.
Other programs
DSCR Loans
Debt Service Coverage Ratio financing for investment property purchases and refinances, explained by Boss Mortgage.
Learn more →
LLC Lending
Financing real estate held in a limited liability company, with guidance from the Boss Mortgage investment lending team.
Learn more →
1031 Exchange
Financing that supports a 1031 exchange, coordinated with your qualified intermediary and tax advisor by Boss Mortgage.
Learn more →
Bridge Loans
How bridge financing can help when the purchase of one home and the sale of another do not line up, from Boss Mortgage.
Learn more →Ready to get started?
Every situation is different. We’ll help you understand your options and what may fit your goals.
This page is general information about mortgage financing and is not a commitment to lend, an offer of credit, or financial or legal advice. Program availability, guidelines and requirements are set by lenders and investors, can change, and depend on your individual circumstances and the property. Talk with a licensed Boss Mortgage loan originator about what applies to you.
Boss Mortgage LLC NMLS #2547821. See the Licensing page for state licensing information. Additional disclosures appear in the footer of every page.