Fannie Mae and Freddie Mac generally limit borrowers to six to ten financed properties, which is where DSCR loans come in, since they qualify based on the property's rental income rather than your personal debt to income ratio and carry no such cap. DSCR rates in 2026 typically run 6.5 to 8 percent, roughly half a point to a point and a half above a conventional investment loan, with 20 to 25 percent down and reserves of three to six months usually required. Lenders also distinguish sharply between a second home, which gets better pricing but restricts significant rental use, and a true investment property, so be upfront about your intended use rather than risk a fraud flag down the road.
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