Best Mortgage Loans for Real Estate Investors in 2025 | DSCR & Non-QM Loans

Real estate investing is one of the fastest ways to build wealth, but finding the right mortgage can be a challenge—especially if you’re self-employed or expanding your portfolio. Traditional banks often have strict debt-to-income (DTI) requirements, low loan limits, and rigid income verification rules that make it difficult for investors to qualify.

The good news? Non-QM loans, DSCR loans, and investor-focused mortgage programs make it easier than ever to scale your real estate investments.

In this guide, we’ll break down the best loan options for real estate investors in 2025 and help you take the next steps toward securing your next investment property.

1. DSCR Loans   – The #1 Loan for Real Estate Investors

What is a DSCR Loan?

A Debt-Service Coverage Ratio (DSCR) Loan is a game-changer for real estate investors because it allows you to qualify based on rental income instead of personal income. No tax returns, no pay stubs—just your property’s cash flow.

✔ No W-2s or tax returns required – Qualify based on property income.
✔ Perfect for short-term (Airbnb, VRBO) and long-term rentals.
✔ No limit on the number of properties you can finance.
✔ Great for self-employed investors and those scaling their portfolio.

DSCR Loan Requirements

✔ Min Credit Score: 660+
✔ Max LTV: 85%
✔ Property Types: Single-family, multi-family, Airbnb/VRBO, commercial
✔ Loan Program: DSCR

⏳ Investor Tip: DSCR loans allow you to close faster and scale quicker—perfect for competitive real estate markets!

2. Bank Statement Loans   – Best for Self-Employed Investors

What is a Bank Statement Loan?

A Bank Statement Loan lets you qualify for a mortgage using 12-24 months of bank deposits instead of W-2s or tax returns. This is ideal for self-employed investors who have strong cash flow but don’t show traditional income.

✔ No tax returns required – Use business or personal bank statements.
✔ Ideal for self-employed real estate investors and entrepreneurs.
✔ Can be used for primary residences, investment properties, and second homes.

Bank Statement Loan Requirements

✔ Min Credit Score: 660+
✔ Max LTV: 85%
✔ Loan Program: Bank Statement Loan

⏳ Investor Tip: If you write off a lot of expenses on your tax returns, a Bank Statement Loan can help you qualify for a higher loan amount.

3. Hard Money Loans – Fast Closings for Fix-and-Flip Investors

What is a Hard Money Loan?

A Hard Money Loan is a short-term, asset-based loan designed for investors who need fast access to capital. These loans are based on the property’s value, not your personal financials, making them a top choice for fix-and-flip investors.

✔ Quick approvals and fast funding (as little as 5-10 days).
✔ No tax returns, W-2s, or strict income verification.
✔ Perfect for distressed properties, fix-and-flip projects, and bridge loans.

Hard Money Loan Requirements

✔ Min Credit Score: No minimum (asset-based lending)
✔ Max LTV: 75%
✔ Loan Program: Alternative Doc

⏳ Investor Tip: Hard Money Loans allow you to close on undervalued properties quickly before other buyers have a chance!

4. No Limit Jumbo Loans – High-Balance Loans for Luxury Real Estate

What is a No Limit Jumbo Loan?

For real estate investors buying luxury properties or high-value commercial real estate, a No Limit Jumbo Loan provides financing without standard jumbo loan caps.

✔ Loan amounts exceeding conventional jumbo limits.
✔ Great for high-net-worth investors expanding their portfolio.
✔ Works for luxury homes, multi-million-dollar investments, and large-scale rental properties.

No Limit Jumbo Loan Requirements

✔ Min Credit Score: 660+
✔ Max LTV: 85%
✔ Loan Program: No Limit Jumbo

⏳ Investor Tip: A No Limit Jumbo Loan allows you to finance ultra-luxury properties with flexible terms!

Frequently Asked Questions (FAQ)

Which loan is best for new real estate investors?

A DSCR Loan is often the best choice for new investors because it allows you to qualify based on rental income rather than personal income.

Can I qualify for a mortgage without tax returns?

Yes! DSCR Loans, Bank Statement Loans, and Hard Money Loans allow real estate investors to qualify without tax returns or W-2s.

What credit score do I need to get an investor loan?

✔ DSCR Loans & Bank Statement Loans: Minimum 660+ credit score.
✔ Hard Money Loans: No credit score requirement (asset-based lending).
✔ Jumbo Loans: Minimum 660+ credit score.

Can I use a DSCR loan for an Airbnb or short-term rental?

Yes! DSCR loans work for short-term rentals like Airbnb and VRBO, as long as the property generates sufficient rental income.

How quickly can I close on an investment property?

✔ DSCR Loans & Bank Statement Loans: Close in 3-4 weeks.