Build Your Real Estate Investment Portfolio
Whether you're purchasing your first rental property or expanding your existing portfolio, Joe Metzler has the expertise and lender network to help you secure competitive financing for your investment properties.
From single-family rentals to multi-unit buildings, we offer a variety of loan programs designed specifically for real estate investors across Minnesota, Wisconsin, Iowa, and beyond.
Investment Loan Programs
Multiple financing options for every type of investment property
Traditional Investment Loans
Conventional financing for 1-4 unit investment properties with competitive rates and terms.
- Down payments starting at 20%
- Fixed and adjustable rate options
- Purchase and refinance available
- No prepayment penalties
Best For: Seasoned investors with strong personal income and credit
Portfolio Loans
Flexible financing from lenders who keep loans in-house, allowing for more creative underwriting.
- More flexible qualification criteria
- Faster approval and closing
- Unique property types accepted
- Relationship-based lending
Best For: Non-traditional properties or borrower situations
DSCR Loans POPULAR
Debt Service Coverage Ratio loans qualify based on rental income potential, not personal income.
- No personal income verification
- Qualify based on property cash flow
- Up to 80% loan-to-value
- Perfect for self-employed investors
Best For: Investors with limited personal income documentation
Commercial Loans
Financing for 5+ unit properties, apartment buildings, and commercial real estate investments.
- 5+ unit residential properties
- Mixed-use properties
- Apartment buildings
- Commercial real estate
Best For: Serious investors scaling to larger properties
Fix & Flip Loans
Short-term financing for investors who purchase, renovate, and resell properties quickly.
- 12-24 month terms
- Purchase + renovation funds
- Interest-only payments
- Quick approval process
Best For: Active house flippers and rehabbers
Cash-Out Refinance
Tap into your property equity to fund additional investments or property improvements.
- Access up to 75% of property value
- Use funds for any purpose
- Potentially lower interest rates
- Tax-deductible interest
Best For: Investors looking to leverage existing equity
DSCR Loans: The Game-Changer for Investors
Debt Service Coverage Ratio (DSCR) loans have revolutionized real estate investing by allowing qualification based on property performance rather than personal income.
Why DSCR Loans Are Perfect for Investors
- No Income Documentation: Perfect for self-employed or high-net-worth investors
- Property-Based Qualification: Loan approval based on rental income potential
- Faster Processing: Less paperwork means quicker closings
- Portfolio Growth: Easier to qualify for multiple properties
- Privacy: Keep personal finances separate from investment decisions
How DSCR Works
The Debt Service Coverage Ratio compares the property's gross rental income to its total monthly debt payments (mortgage, taxes, insurance). A DSCR of 1.0 means the property breaks even, while 1.25+ indicates positive cash flow.
DSCR Calculation Example
Monthly Rental Income: $2,500
Monthly Debt Payment: $2,000
DSCR: $2,500 � $2,000 = 1.25 ✅
Ready to Learn More About DSCR?
Get detailed information about rates, terms, and qualification requirements for DSCR loans.
Explore DSCR Loans →Down Payment Requirements
Investment property financing requires higher down payments than primary residences
| Loan Type | Minimum Down Payment | Typical Down Payment | Max Loan-to-Value | Best For |
|---|---|---|---|---|
| Conventional Investment | 20% | 20-25% | 80% | Standard investment purchases |
| DSCR Loans | 20% | 20-25% | 80% | No income verification needed |
| Portfolio Loans | 15% | 20-30% | 85% | Flexible underwriting |
| Commercial (5+ units) | 25% | 25-35% | 75% | Apartment buildings |
| Fix & Flip | 10-15% | 15-25% | 85-90% | Short-term renovation projects |
Note: Down payment requirements vary by lender, credit score, and property type. Rates and terms subject to change. Contact Joe for current requirements.
Investment Loan Process
Your step-by-step guide to investment property financing
Initial Consultation
Discuss your investment goals, review your portfolio, and determine the best loan programs for your strategy. We'll analyze your financing capacity and recommend optimal property types.
Property Analysis
Once you identify a property, we'll review the numbers including rental income potential, cash flow projections, and debt service coverage ratios to ensure it qualifies.
Loan Application
Submit your application with property details, financial information (if required), and supporting documentation. DSCR loans require minimal personal financial docs.
Underwriting
Lender reviews the application, orders appraisal, and verifies rental income potential. Investment loans typically have faster underwriting than owner-occupied properties.
Closing
Complete final loan approval, review closing documents, and fund your investment property. Most investment loans close within 30-45 days of application.
Why Choose Joe Metzler for Investment Loans?
25+ Years Investment Experience
Joe has been helping real estate investors build wealth through property ownership for over two decades. He understands the unique challenges and opportunities in investment property financing.
Extensive Lender Network
- 50+ Lenders: Access to traditional banks, portfolio lenders, and private money sources
- DSCR Specialists: Direct relationships with top DSCR lenders nationwide
- Portfolio Lenders: Connections with banks that keep loans in-house for flexibility
- Private Money: Access to hard money and private lending for unique situations
Investment-Focused Service
- Deal Analysis: Help evaluate properties for investment potential
- Cash Flow Projections: Detailed financial analysis of each property
- Portfolio Strategy: Long-term planning for portfolio growth
- Market Knowledge: Deep understanding of local rental markets
Investor-Friendly Process
- Fast Pre-Approval: Get qualified quickly to make competitive offers
- Multiple Properties: Handle several loans simultaneously
- Streamlined Documentation: Especially with DSCR loans
- Relationship Building: Long-term partnership for ongoing investments
Ready to Grow Your Investment Portfolio?
Get pre-approved for investment property financing and start building wealth through real estate.
Licensed in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida