Borrower Guides
Investor Financing Overview
Long-term rentals, short-term stays, and when DSCR programs may fit.
5 min read · Educational only
Rental Property Goals
Lenders look at how the property will be used—long-term lease, short-term rental, or a vacation home you also rent. Down payment, reserves, and documentation differ from a primary residence.
DSCR and Rental Income
Some programs weigh the property’s rental income against the payment (debt service coverage). That can help investors who do not show personal income the same way as W-2 employees, but guidelines and minimum coverage ratios vary.
Plan for Reserves
Vacancy, repairs, and management costs are real. Underwriting may require reserves beyond the down payment. Build a simple pro forma with your loan officer before you make offers.
Educational information only - not financial or legal advice. Speak with a Gold Star loan officer for guidance specific to your situation.