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Investment

Invest in Real Estate with Confidence. Build Wealth with Purpose.

At Carrollton Mortgage, we know that building long-term wealth and freedom often starts with smart real estate investments. Whether you're buying your first rental property or expanding your portfolio, the right mortgage can help turn your investment goals into lasting success.

Since 1989, we’ve helped thousands of people—just like you—secure financing for income-producing properties that support both financial growth and long-term stability.

📞 Let’s talk strategy today: 209.526.6200
Because building wealth through real estate should feel as secure as being a happy homeowner.

🏘️ Investment Property Calculator

Plan Your Real Estate Investment with Confidence

Curious if your next rental or income property is a smart financial move? Our investment property mortgage calculator helps you estimate potential monthly payments based on property cost, down payment, expected rent, and more. Use it to evaluate cash flow and compare loan options to support your investment strategy.

Want help structuring a loan that fits your goals? Let’s talk about financing solutions tailored for real estate investors.

Carrollton Mortgage – Helping You Grow with Smart Investment Property Loans

Whether you're buying a single-family rental, a vacation home, or a multi-unit property, our investment property loans are designed to help you:

Generate monthly rental income
Diversify your long-term financial plan
Build equity over time
Leverage appreciation
Possibly even live in one unit while renting out the rest

We’re here to make the process simple, fast, and aligned with your goals.

Investment Property Loan Options

We offer flexible financing solutions for investors:

✅ Debt-Service Coverage Ratio (DSCR)
- Focuses on Property Cash Flow – A DSCR loan qualifies you based on the rental income of the property, not your personal income, making it ideal for investors and self-employed borrowers.
- Simplified Approval Process – No tax returns or W-2s required; lenders look at whether the property’s income covers the mortgage, allowing for faster approvals and flexible financing.
✅ Conventional Loans
Great for 1–4 unit investment properties
Down payments as low as 15%
5% down for owner-occupied 2-4 units
✅ Home Equity Loans (HELOAN) and Home Equity Lines of Credit (HELOC)
Use your home’s equity to fund a rental purchase or renovation
Fixed rate, predictable payment HELOANs available
✅ Cash-Out Refinance
Refinance your current home or investment property
Access built-up equity in one streamlined loan

More Information About DSCR Loans

DSCR stands for Debt-Service Coverage Ratio, a type of rental loan that’s popular with investors because it focuses on property income—not personal income.

This can be especially helpful for self-employed investors or those with multiple properties. DSCR loans look at whether the rent from the property covers the mortgage, rather than your tax returns or employment history.

Here’s how it works:

DSCR = Monthly Rent ÷ Monthly Expenses (PITIA)
PITIA = Principal, Interest, Taxes, Insurance, and Association dues
For example, if your property rents for $2,500/month and your PITIA is $2,000, your DSCR is 1.25. That means your property generates 25% more income than it costs to operate—something lenders like to see.

What’s a Good DSCR?

Most lenders like to see at least a 1.25 DSCR, which shows positive cash flow. A DSCR below 1.0 means the property isn’t covering its costs, and that’s a red flag for most deals.

Are DSCR Loans Right for You?

These loans might be a good fit if:

You’re growing a rental portfolio
You prefer not to verify personal income
You want fast, straightforward financing
You focus on property performance, not paperwork

Let’s Build Your Future—Together

At Carrollton Mortgage, we care about your financial stability, your freedom, and your ability to build wealth through real estate. We’re here to help you make smart, confident moves with the right mortgage on your side.

Stop the stress. Start investing with clarity.

Don’t let complexity or uncertainty hold you back. Instead, partner with Carrollton Mortgage and make your next investment with the confidence that comes from having the right loan—and the right people—on your side.

Because we believe everyone should feel at home… in their investments.