Residential Investment Property Loans
Financing for rentals, 1-4 unit properties, portfolios, and fix-and-flip projects from $100K to $3.5M.
Built for Residential Investors
We offer nationwide financing for non-owner-occupied residential investment properties — from a single rental to a small portfolio of 1-4 unit properties. DSCR-based qualification means the property's cash flow carries the file, not your tax returns.
We finance the following residential investment properties:
Portfolio loans are available across 1-4 unit properties, and short-term rentals (Airbnb, VRBO, etc.) are eligible.
For fix-and-flip and transitional projects, short-term bridge and private money options can carry the property until it stabilizes for permanent DSCR financing.
How It Works
- 1
Get Qualified
- 2
Consultation
- 3
Documents
- 4
Review
- 5
Term Sheet
- 6
Underwriting
- 7
Conditions
- 8
Closing
The Denali Standard
Every transaction receives individual review and hands-on attention from the Denali team.
Common Questions
What counts as a residential investment property?
Non-owner-occupied single family residences, 2-4 unit properties, and short-term rentals. Portfolio loans can group several 1-4 unit properties under one facility.
How do I qualify without tax returns?
These loans are underwritten on the property's debt service coverage ratio — rental income versus the loan payment — with a minimum DSCR of 0.85x and a minimum 620 credit score.
Can I finance a fix-and-flip project?
Yes. Short-term bridge or private money covers the acquisition and renovation, then the stabilized property can refinance into a 30-year DSCR loan once it is leased.
What loan amounts and terms are available?
From $100K to $3.5M, with 30-year fixed rates, 5/6, 7/6, and 10/6 adjustable options, and a 5-year interest-only option. Maximum LTV runs up to 80% depending on loan size.
Explore other programs
Reach out to us to learn more!