OLLIE MORTGAGES
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RENTAL PROPERTY FINANCING
Know how you're financing it before the right property shows up
When the right property shows up, you should already understand the financing path and what needs to be in place to act on it.
Your Rental Property Financing Game Plan maps that financing path before you move into offers.
Answer a few questions, then pick a time that works.
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A01 HERO IMAGE PLACEHOLDER
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Plan first. Offer second.
Start with where you are now — then map the financing path forward
YOUR FINANCING STARTING POINT
The right financing structure depends on the property, the funds you have available, your timing, and how the rental is expected to perform. Your Game Plan starts there.
Your purchase goal
Property type, target price range, and the kind of rental purchase you're preparing to make.
Your current position
Funds available, timing, and what is already in place — or what still needs to change before you are ready.
Your financing path
The loan structures worth considering and the next steps to get positioned before you make offers.
Answer a few questions, then pick a time that works.
WHAT YOUR GAME PLAN COVERS
Where you stand right now
What your current position actually supports — funds, timing, and what would need to change if you're not there yet.
How the financing can work
Which loan structures fit rental property, including options that use the property's rental income rather than traditional employment documentation.
The path forward
What to do before you start making offers, so financing isn't the thing that costs you the deal.
HEADSHOT PLACEHOLDER
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YOUR MORTGAGE STRATEGIST
A financing plan built around the property you're trying to buy
I help investors finance rental properties — including buyers whose rental financing did not rely on traditional W-2 or tax-return qualification.
Jesus Sanchez
Ollie Mortgages
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WHAT CLIENTS SAY
★★★★★
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★★★★★
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WHAT HAPPENS WHEN YOU START YOUR GAME PLAN?
1 — Tell me what you're working toward
Answer a few questions about the rental purchase you're considering.
2 — Choose a time to talk
Schedule a Mortgage Strategy Call that works for you.
3 — Leave with a clearer path
We'll discuss where you stand, the financing paths worth considering, and the next steps to work toward.
EXPECTATION
This is a conversation about your financing strategy. It's not a rate quote, a credit pull, or an application. The goal is to give you a clearer financing path and the next steps to work toward based on what we review together.
Start Rental Financing Game Plan
Answer a few questions, then pick a time that works.
Frequently asked questions
What is DSCR financing?
DSCR stands for Debt Service Coverage Ratio. It is an investment-property loan where the property's rental income, not your personal employment income, is the main thing used to qualify.
Do I need to show personal income or tax returns?
Often no. Many DSCR programs qualify the property rather than the borrower, which means W-2s, pay stubs and tax returns typically are not required. Requirements vary by program and by lender, so we confirm what applies to your situation on the call.
How is rental income evaluated?
Generally by comparing the market rent for the property against the total monthly payment, including principal, interest, taxes, insurance and any HOA dues. Market rent is usually supported by an appraisal-based rent schedule, an existing lease, or both.
What credit score do I need?
There is not one universal number. Minimums differ by program, and credit also affects your terms. Stronger credit generally opens more options. If you are not where you would like to be, part of the Game Plan is identifying what would need to change.
How much money do I need to put down?
Investment-property financing normally requires a meaningful down payment, noticeably more than an owner-occupied purchase. The exact amount depends on the program, the property and your overall profile. We walk through realistic ranges for your scenario.
Can I take cash out of a rental I already own?
Often yes. Cash-out is typically limited by the appraised value and the program's maximum loan-to-value, and there may be a required ownership period before cash-out is available. We review what is realistic for your property.
Can I hold the property in an LLC?
Many investment-property programs allow title to be held in an LLC or similar entity. Documentation for the entity is usually required, and a personal guarantee is common. We cover how this affects your file.
What types of property are eligible?
Commonly single-family rentals, condos, townhomes and small multi-unit residential properties. Eligibility for things like condotels, rural acreage, mixed-use or larger unit counts depends on the specific program.
What happens after I submit my Game Plan request?
You answer a few questions about the rental purchase you are considering, then choose a time for a Mortgage Strategy Call. On that call we discuss where you stand, the financing paths worth considering, and the next steps to work toward. It is not a rate quote, a credit pull, or an application.
BE READY WHEN THE RIGHT RENTAL PROPERTY SHOWS UP.
Start your Rental Property Financing Game Plan and get clear on the financing path before you move into offers.
Start Rental Financing Game Plan
Answer a few questions, then pick a time that works.
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