Learn
What Properties Qualify?
What we lend on, and how property type affects your terms.
We lend on income-producing investment property — non-owner-occupied only. Here’s the quick view; the Property Eligibility tool below gives you a per-type answer in seconds.
| Property type | Status |
|---|---|
| Single Family Rental | Core product |
| Multifamily (2–4 + small multi) | Eligible |
| Warrantable Condo | Eligible |
| Short-Term Rental | Eligible (documented income) |
| Mixed Use | Conditional |
| Commercial | Case by case |
| Land / Agricultural | Restricted — discuss |
How property type shapes your terms
Core residential investment types — single-family rentals and small multifamily — receive our full terms. Condos depend on warrantability. Short-term rentals are eligible when income is documented, though LTV may be tightened. Mixed-use and commercial are reviewed case by case.
“Restricted” does not mean “no”
Land and agricultural properties have limited programs, but they are never an automatic decline — a specialist can discuss options for your specific deal. The only hard rule is that the property must be an investment (non-owner-occupied) property held by your account or entity.
Check your property type
See how a property type lines up against our 70% LTV / 1.25 DSCR baseline -- from single-family to commercial and land.
Not every property fits a non-recourse loan the same way. This checker tells you, by property type, how a deal generally lines up against our 70% LTV / 1.25 DSCR baseline -- and where a type is restricted or conditional.
It is the fastest way to know whether a single-family rental, a 2-4 unit, a short-term rental, mixed use, commercial, land, or agricultural property is a clean fit or a conversation worth having.
What we lend on, against our 70% LTV / 1.25 DSCR baseline. Restricted types still get a conversation.
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How it works
- Choose the property type you are evaluating.
- Check the property against our baseline.
- Read the type-specific guidance -- core, conditional, or restricted.
- Apply to confirm specifics with a loan officer.
Why it matters
Property type drives both eligibility and pricing in non-recourse lending. Core types like single-family and small multifamily move quickly at standard terms; short-term rentals, mixed use, and commercial carry extra documentation or tighter leverage; land and agricultural are restricted to limited programs.
Knowing the lane up front keeps your offer realistic and avoids surprises in underwriting -- especially when a retirement account is the borrower and the asset is the lender's only recourse.
How to read your result
Qualifies means the type sits inside our standard lane at the 70% LTV / 1.25 DSCR baseline. Conditional means it is lendable but depends on specifics -- income documentation, the residential / commercial split, or program fit.
Restricted (land, agricultural) means limited programs apply, not that the door is closed. Every type routes to a specialist because exceptions and program nuances are decided file by file. This is general guidance, not a commitment to lend.
Keep going
Frequently asked questions
What property types qualify most easily?
Can I finance a short-term rental?
Are land or agricultural properties eligible?
How are mixed-use properties handled?
Does property type affect my rate or LTV?
Estimates only -- not a commitment to lend; subject to full underwriting.
Related reading
Tools & programs
Common questions
Can I live in or use the property myself?
No. Retirement-account real estate must be a non-owner-occupied investment property; personal use is a prohibited transaction.
Do you finance short-term rentals?
Yes, when income is documented. LTV may be adjusted depending on the property and market.
What about land?
Land and agricultural are restricted with limited programs, but still worth a conversation for a specific deal.
See where you stand in two minutes
Educational information only — not legal, tax, or financial advice. Confirm details with your own CPA, attorney, and a Non Recourse Loan specialist.