Qualify on the rent, not your tax returns.

Debt-service-coverage loans compare the property's market rent to the payment. A ratio of 1.0 or better qualifies; some lenders go below with more down. No income documentation, close in an LLC.

Minimum down

20–25%

Qualifying

Rent ÷ PITIA ≥ 1.0

Income docs

None

Vesting

Personal or LLC