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At Champion Loans, we understand that real estate investing requires speed, flexibility, and strategic financing. Whether you’re building your first rental portfolio or scaling with multiple doors, we offer a wide range of Investor Loan solutions, including both DSCR loans (based on property income) and Full Documentation loans (based on borrower income).
Let us help you secure the right financing for your investment property — without unnecessary delays or roadblocks.
An investor loan is a mortgage used to purchase or refinance a non-owner-occupied property, such as a single-family rental, condo, townhome, multi-unit property, or even a short-term rental (STR/Airbnb).
Investor loans are evaluated differently from primary home loans and require an expert approach to structure the deal correctly. That’s where Jonas Champion comes in — with 20+ years of experience and a deep understanding of investment financing.
Perfect for: Real estate investors who want to qualify using rental income from the property — not personal income.
How It Works:
Instead of using your tax returns or W-2s, DSCR loans qualify based on the property’s income potential. The DSCR is calculated by dividing the property’s gross rental income by its monthly mortgage payment (PITI). If the ratio is 1.0 or higher, most investors can qualify.
DSCR Loan Highlights:
No personal income or employment verification required
Qualify based on rental cash flow
Great for self-employed or multi-property investors
Can be used for purchase, refinance, or cash-out
Close in as little as 3 weeks
Available for short-term rentals and long-term rentals
DSCR as low as 0.75 in some cases
Example: If your property’s projected rent is $2,000/month and the mortgage is $1,800/month, your DSCR is 1.11 — you’re good to go!
Perfect for: Investors with strong income who want to leverage their personal financial profile for better terms and pricing.
How It Works:
These loans are underwritten like traditional mortgages but allow for the purchase or refinance of investment properties. You’ll provide tax returns, W-2s, pay stubs, or other documentation to verify income.
Full Doc Loan Highlights:
Competitive interest rates for qualifying borrowers
Option to purchase up to 4 units
Eligible for second homes and rental properties
May require 20–25% down depending on property type
Lower DSCR or break-even cash flow may be acceptable
Best pricing for low-risk investors
| Feature | DSCR Loan | Full Doc Investor Loan |
|---|---|---|
| Qualification | Based on rental income (DSCR) | Based on borrower income & documentation |
| Income Verification | None | Required (W-2s, tax returns, etc.) |
| Speed | Faster closings, minimal paperwork | Standard timeline |
| Ideal For | Self-employed, portfolio investors | W-2 earners, low-risk profiles |
| Property Type | 1–4 units, long or short-term rentals | 1–4 units, second homes, rentals |
| Minimum DSCR | 0.75–1.0+ depending on lender | Not required — based on borrower income |
Not sure which one fits best? Jonas will review your scenario and help you choose the ideal path based on your cash flow goals, documentation readiness, and future plans.
