Scale Your Portfolio. We'll Finance the Strategy.
From fix-and-flip to long-term rentals and multi-unit acquisitions, our investor loan programs are built for real estate investors — with flexible underwriting and portfolio-level solutions.
15–25%
Min. Down Payment
Available
LLC Vesting
DSCR Option
No Income Verify
Available at Scale
Portfolio Discounts
Overview
Financing That Grows With Your Portfolio
Real estate investors have unique needs that standard mortgage products don't address: LLC vesting, rental income qualification, multi-property portfolios, quick-turn acquisition timelines, and the ability to scale without getting bogged down in personal income documentation. We built our investor lending practice around these realities.
Whether you're acquiring your first rental property or your fifteenth, Lumen Mortgage offers a full stack of investor loan products — from conventional investment financing and DSCR loans to fix-and-flip bridge lending and portfolio blanket mortgages. One lender, every stage of your investment career.
Who This Is For
Key Features
What Makes This Program Work
DSCR Qualification
Qualify based entirely on the rental property's income — not your personal income. No tax returns, no W-2s, no pay stubs required.
LLC & Entity Vesting
We finance properties held in LLCs, partnerships, S-corps, and other legal entities — preserving your liability protection and business structure.
Fix-and-Flip Bridge
Short-term bridge financing for acquisitions with quick close timelines. Interest-only payments and flexible terms for the renovation period.
Portfolio-Level Financing
Own multiple properties? We offer blanket mortgages and portfolio pricing for investors with 5+ properties seeking efficient cross-collateralized financing.
Rental Income Underwriting
We use market rent (from appraisal) rather than actual lease income to qualify — protecting investors during vacancy periods and transitions.
Multi-State Eligible
Investing across Oregon and California? We finance investment properties in both states from one lender relationship — simplifying your portfolio management.
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Requirements
General Qualifications
Ready to See If You Qualify?
Every borrower's situation is unique. Give us 15 minutes and we'll review your financial picture, identify every program you qualify for, and walk you through your options — at no cost and with no obligation.
Licensed in Oregon & California · NMLS #1498678
Related Programs
FAQ
Common Questions
From the Blog
Further Reading
InvestmentDSCR Loans Explained: How Real Estate Investors Qualify Without Tax Returns
If you're a real estate investor with strong rental income but complex taxes, a DSCR loan might be your best financing option. Here's exactly how they work and who they're designed for.
InvestmentSpec Construction Loans in Oregon & California: Strategy, Qualification, and the Profit Calculus in 2026
Building on speculation is one of the highest-leverage plays in residential real estate — and one of the most misunderstood. Here is a ground-level look at how spec construction loans work, what lenders actually underwrite, and why the Oregon and California markets still reward disciplined builders.
MultifamilyValue-Add & Rehab Loans for Multifamily Apartments: The Complete Financing Guide for Investors
Buying a tired apartment building, forcing appreciation through strategic renovations, and refinancing at a higher value is one of the most proven wealth-building strategies in real estate — but the financing is more complex than a standard rental loan. Here's how value-add multifamily deals actually get funded.
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Ready to Get Started?
Our loan officers will review your scenario, walk you through your options, and guide you from application to close — with full transparency at every step.