Apply for Purchase or Refinance

Real Estate Investors

Find a Loan Program

Find a Loan Program

RL_Header_Investors

Real Estate Investors, AirBnb/VRBO Owners, & Flippers

For many, real estate is a cornerstone of long-term wealth generation—and some argue it is the most reliable path to financial independence. Investing in rental properties provides ongoing passive income, which can enhance purchasing power for a primary residence, additional investment properties, or vacation homes. When using rental income to qualify for a mortgage, borrowers have several documentation options:

Lease Agreements & Mortgage Statements – Proof of rental income from long-term tenants.
Short-Term Rental Income (Airbnb/VRBO) – 12 months of statements demonstrating consistent rental earnings.
Debt Service Coverage Ratio (DSCR) Loans – A financing option where rental income is compared to mortgage obligations:
- If the DSCR ratio meets or exceeds lender requirements, no additional income documentation is necessary.
Supplemental Income Documentation – Wage-earner or self-employed income can also be considered in conjunction with rental earnings.

We specialize in flexible and innovative lending solutions for real estate investors—whether you’re purchasing your first property or expanding an established portfolio. Our streamlined financing options provide quick and easy access to funds, allowing investors to grow their real estate holdings efficiently.

Let us help you explore the best mortgage programs tailored to your investment strategy.

Get Started Today

Get Qualified

Find the best loan program for your mortgage goals.

HLA_Logo_2025

ask@homeloanagents.com

949 S. Coast Drive
Suite 240
Costa Mesa, CA 92626
Branch NMLS #1086654
Corp NMLS #34381

Borrowers

Programs

Navigate

Information

© Copyright 2025 | United Fidelity Funding Corp dba HomeLoanAgents is an Equal Housing Lender. NMLS #34381.

We are licensed in the following states:

Arizona: Licensed Mortgage Banker - License #1034683.
California: Licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act. License #CA-DBO1192984.
Colorado: Mortgage Company Registration - License #100520774.
Idaho: Mortgage Broker/Lender License - License #MLO-2081192984.
Florida: Licensed Mortgage Lender - License #LO105507.
Nevada: Licensed Mortgage Banker - License #77438.
Oregon: Mortgage Lender License.
Texas: Licensed Mortgage Banker.
Washington: Consumer Loan Company License - License #MLO-1192984.
Wisconsin: Mortgage Banker License - License #1192984.

NMLS Consumer Access: For more information about United Fidelity Funding Corp dba HomeLoanAgents and its licensing, visit the NMLS Consumer Access website.

Texas Mortgage Banker Disclosure
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.