Start or grow a rental portfolio
Explore rental-income financing, conventional options, and the cash you want to keep available after closing.
Your real estate investor hub
Real Estate Investor Loans for the Future You Want to Build
Your next property could support extra income, a growing portfolio, or opportunities for the next generation. I will help you connect that vision with financing you understand.
Whether you are buying your first rental or planning your next project, we will start with your goals and look at the numbers together.
Book Your Complimentary Discovery Call30 minutes to talk through your plans · 25+ Years of Mortgage Experience
A plan for your next opportunity
You do not need to have every answer before we talk.
You may have found a property you love but feel unsure about financing. Maybe your equity is spread across several homes, or you want to know whether keeping a rental makes more sense than selling. These are useful conversations to have before choosing a loan.
Have a property in mind?
Bring the purchase price, rent information and work it may need. I can help you examine the financing costs and cash required, including how this purchase fits alongside the loans you already have.
Amy DeBusk | Branch Manager & Mortgage Advisor
Amy DeBusk Home Loans, powered by loanDepot
With 25+ Years of Mortgage Experience, I help you understand your financing choices and build a plan around the property and the future you have in mind.
Improve or build a property
Connect your scope of work, contractor, timeline, and completed-property plans with the right financing conversation.
Review the properties you own
Look at payments, equity, and upcoming costs across your portfolio to understand what could support your next step.
Explore your financing options
Equity across several homes can still leave you short of available cash for the next purchase. Before choosing a loan, we can review the portfolio’s payments, reserves, rental income, and cash needs together. That helps us compare a new purchase with improving the properties you already own.
A loan for the property and the plan
Each card leads to a fuller explanation. We will compare the options that fit your intended use, experience, funds, and timeline.
Rental property financing
DSCR Rental Property Loans
Investment property financing that evaluates rental income against the property's debt payments.
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Investment renovation projects
Fix-and-Flip Loans
Financing for purchasing, improving, and reselling an investment property.
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Alternative investment financing
Private Money Loans
Alternative financing for investment opportunities, with property, costs, and repayment plans at the center.
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Build an investment property
Ground-Up Construction Loans
Explore financing for a new investment-property build, from project planning through construction.
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Recently acquired rental properties
No-Seasoning DSCR Loans
Explore refinance options for recently acquired rentals, with program-specific valuation and eligibility rules.
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U.S. rental property investment
Foreign National DSCR Loans
Rental-property financing options for eligible foreign national investors, based on property cash flow.
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Compare cash-flow options
Interest-Only DSCR Loans
Explore an initial interest-only payment structure and understand how payments change afterward.
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Explore a longer loan structure
40-Year DSCR Loans
Compare a 40-year DSCR option, including its payment schedule, principal repayment, and total interest.
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Two- to four-unit properties
Multi-Family Loans
Explore financing for a small multi-unit property, including options to live in one unit and rent the others.
Read the related guide →Buying a property you will also live in? We can explore conventional and other eligible owner-occupied options. DSCR financing is for investment use.
From an investor's Google review
Terry's investment purchase in Orangevale
Terry Courtney shared his experience working with me on a DSCR loan for an Orangevale investment property.
Read Terry's Full Review on Google“The approval process was smooth, communication was consistent, and we closed right on time.”
Look beyond the mortgage payment
A property can meet a loan's requirements and still need a careful operating plan. We will discuss expected rent, taxes, insurance, association dues, management, repairs, and vacancies. For a renovation or new build, we also include carrying costs and time before the property earns income.
We can work alongside your real estate agent, property manager, and tax or legal professionals, each handling their part of the decision. If your team is still taking shape, we can help you make connections for the pieces you are missing.
Bring your current loans into the conversation too. Sometimes the next useful step starts with a property you already own. I will help you compare financing costs and payments; your tax and legal professionals can advise on ownership and tax strategy.
Keep learning at your own pace
Complimentary guides for your next investment
Use these resources to organize your goals, understand renovation value, and prepare your refinancing questions.
How Experienced Investors Use ARV-Based Cash-Out Refinancing to Execute BRRRR Strategies, vol 1
Free PDF · 11 pages
Download Guide
How Successful BRRRR Investors Create Real, Appraisable Value, vol 2
Free PDF · 8 pages
Download Guide
Your investor tools and resource center
See the strategy in a real portfolio
Your investor financing questions
Can you help me buy my first rental?
Yes. We can compare options for your first investment, including how you will use the property, the rent, your available funds, and the documentation needed. Some options have experience requirements, so we start with your actual plans.
Do I need tax returns for a DSCR loan?
DSCR qualification focuses on the property's eligible rental income rather than a traditional personal debt-to-income calculation. Credit, assets, property, and transaction requirements still apply.
What credit score should I plan for?
Some DSCR options start at 660, while cash-out refinances generally require a higher score. Specialty options can follow different requirements. I will help you review the whole scenario.
Can I renovate a property and then keep it?
Yes, we can explore a buy-renovate-rent strategy. We review the renovation financing and the potential longer-term loan early, including rental income, appraisal, and ownership timing.
Can I buy through an LLC?
Some investor options allow eligible LLC ownership. Share the ownership structure and operating agreement early so we can review the proposed borrowers, signers, and guarantees.
Can I buy a short-term rental?
Some DSCR options allow eligible short-term rentals. Local rules, association restrictions, property type, and acceptable income documentation all matter.
Can refinancing help me plan my next investment?
It may. We can compare your existing financing with available options, including payment changes, closing costs, equity, and the time you expect to keep the property.
What should I bring to our discovery call?
Bring the property address or project idea, your timeline, any lease or rent estimates, available funds, and current loan details. You do not need a finished plan before we talk.
Real estate investor videos
Watch here as you explore your plans. Use the player’s playlist menu to choose another video.
Your vision. My experience.
Let's make your next investment a well-informed step.
Book Time With AmyPrefer to talk now? Call or text (916) 705-2557.