Investment Property
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
An investment property is real estate bought to generate rental income or appreciation rather than to live in.
What Investment Property means
It requires larger down payments (often 15–25%), higher credit, and carries rates above primary-residence loans. DSCR loans qualify on rental income instead of personal income.
Florida example
A Florida investor buys a Tampa rental with 20% down and a rate about half a point above owner-occupied pricing. A DSCR loan lets the property's rent, not their W-2, carry the approval.
What it is
An investment property is a home you buy to rent out or resell, not to live in. Lenders treat it as higher risk than a primary home.
That usually means a larger down payment and a higher rate.
How to finance it
DSCR loans qualify on the rent, while conventional loans use your income. Each path fits a different investor.
We know Florida investor lending well. Reach out and we will find the right loan for your rental.
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