Down Payment
15â25% down depending on loan type and property. Higher down payments for multiâunit or shortâterm rental properties.
By submitting your information and clicking "Send Message," you acknowledge that you accept Jay Jones Investments' Terms of Use and Privacy Policy. You also agree to receive phone calls and SMS messages from us regarding updates, support for your loan, and marketing communications. Please note that message frequency may vary, and standard message and data rates may apply. You can opt-out at any time by texting "STOP," or reply "HELP" for assistance. For more details, please refer to our Privacy Policy located in the footer of the FAQ page.
23724 TATUM BEND LN
77386 Spring
Investing in real estate requires strategic, wellâstructured financing. Whether youâre focused on rental income, cashâflow performance, or longâterm appreciation, we provide mortgage solutions designed to support your investment ambitions.
15â25% down depending on loan type and property. Higher down payments for multiâunit or shortâterm rental properties.
Strong credit typically required (680+), with improved pricing at 720+. NonâQM programs allow more flexibility.
2â12 months of reserves depending on number of financed properties, loan program, and property type.
Conventional loans use standard DTI ratios. DSCR loans qualify based on property cash flow rather than personal income.
Properties must meet minimum standards. Appraisals may include Rental Survey (1007), Operating Income Statement (216), or market rent analysis.
Two years of tax returns (unless using alternativeâincome programs), asset verification, lease agreements, and entity documentation for LLC ownership.
Longâterm financing for 1â4 unit rentals
Qualify using property cash flow
Designed for selfâemployed investors
Shortâterm financing for valueâadd projects
Efficient financing for multiple properties
Tailored for Airbnb/VRBO properties
For larger or diversified assets
Smart financing is the foundation of a successful investment strategy. We help you structure loans that maximize cash flow, protect your portfolio, and support longâterm wealth building.