Your loan type isn't generic. Neither is the answer.
VA entitlement rules, FHA reserve floors, investor DSCR math — each program has its own logic. Find yours below.
Know your program before you call
Conventional Purchase Loans
FHA: Lower Bar, Real Rules
VA: Zero Down, Full Entitlement
Down payments from 3% with private mortgage insurance that drops off at 20% equity. Loan limits up to conforming thresholds — no jumbo complexity unless you need it.
3.5% down at 580+ FICO. Reserve requirements vary by property type. MIP stays for the loan life on most terms — worth modeling before you commit.
No down payment for eligible veterans with full entitlement. No PMI. Funding fee applies but can be financed. COE and service documentation handled upfront.
Rate-and-Term or Cash-Out Refi
Investment Loans Built on Cash Flow
Three rate scenarios modeled before you decide on a timeline. Break-even calculated on closing costs. Cash-out up to 80% LTV on conventional, 85% on FHA.
DSCR loans qualify on rental income, not personal W-2s. 20–25% down typical. Portfolio lenders available for multi-property borrowers scaling past four doors.
Cash flow decides the loan, not just your W-2
DSCR underwriting means the property's rental income carries the qualification — not your personal tax returns. Nayi runs the ratio before the application, so you know where you stand.
Scaling past four financed properties? Portfolio lenders and blanket loan structures are part of the conversation from the first call.
Know your program. Start the conversation.
Pre-qualification takes minutes and tells you exactly what you qualify for — before you make any offer or commitment.