Qualify for investment property loans based on the property’s cash flow - not your personal income. At Convoy Home Loans, we help real estate investors in San Diego, El Segundo, and across all 50 states scale their portfolios with flexible DSCR (Debt Service Coverage Ratio) programs that ignore personal tax returns and W-2s.
Investor X, also known as a DSCR Loan, is a powerful non-QM investor mortgage that qualifies you solely based on the rental income the property is expected to generate.
Your personal income, tax returns, or employment documentation are not required. Lenders focus entirely on the property's cash flow using market rents (long-term or short-term).
Key features include:
Personal income is not a factor · No tax returns or income documentation needed · Property cash flow determines qualification · Investment properties only · Negative cash flow is often acceptable · Works for both long-term and short-term rentals · Available in all 50 states · Up to 29 units · Long-term fixed-rate loans available
Perfect for self-employed investors and high-net-worth individuals.
Close quicker with minimal personal documentation.
Finance multiple properties without impacting your debt-to-income ratio.
Many programs allow properties that cash flow negatively on paper.
Secure predictable payments for 30 years.
Works for traditional rentals, Airbnb, VRBO, and other short-term rentals.
Finance properties up to 29 units.
Typically 0.5%-1.25% higher than owner-occupied loans.
Usually 15-25%+ depending on the property and DSCR ratio.
Cannot be used for primary residences or second homes.
Strong market rents and location are critical for approval and terms.
Lenders often want 6-12 months of reserves.
This program is ideal for:
✓ Real estate investors building or expanding rental portfolios
✓ Experienced landlords and Airbnb hosts
✓ Self-employed or high-net-worth individuals who want to protect personal income documentation
✓ Buyers acquiring multi-family properties (2-29 units)
✓ Investors seeking properties in any U.S. market
✓ Those who want to keep DTI low for future conventional financing
We analyze the target property's market rents and run DSCR scenarios
Use long-term market rents or short-term (AirDNA) projections.
Property's net rental income must meet the lender's required coverage ratio.
Focus remains on the asset, not your personal finances.
Fund your investment property with long-term fixed rates.
We shop multiple DSCR lenders to find the best rates and terms for your deal.
Loan Type | qualification basis | personal income required | property types | Best For |
|---|---|---|---|---|
Investor X (DSCR) | Property Cash Flow | None | Investment only | Portfolio investors |
Short Term Rental (AirDNA) | STR Projections | Minimal | Short-term rentals | Airbnb / Vacation properties |
Conventional Investment | Personal Income + Rents | Yes | Investment | Lower rate seekers |
Creative / Bank Statement | Self-Employed Docs | Yes (alternative) | Various | Business owners |
As a nationally licensed mortgage broker (NMLS #2130517) with offices in San Diego and El Segundo, we have excellent relationships with top DSCR and Investor X lenders nationwide. Our mission is to provide financing options that enhance your standard of living while treating you like family.
We understand the investor mindset and deliver fast, flexible solutions that help you grow your real estate portfolio efficiently.
Ready to grow your investment portfolio with an Investor X DSCR loan? Get pre-approved today - no obligation.
No - personal income is not a factor. Qualification is based entirely on the property's cash flow.
Yes - many Investor X programs accept properties with negative cash flow.
No - they work for both long-term and short-term rentals (including Airbnb/VRBO).
Up to 29 residential units.
Yes - Investor X DSCR loans are available in all 50 states.
No - these programs are strictly for investment properties only.
Yes - we provide competitive 30-year fixed-rate options.
Real Estate Investor Lending · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.