Who this article is for
This article is for:
Real estate investors
Borrowers planning to purchase or refinance rental properties
Anyone comparing mortgage options for investment homes
Can investors apply with Nestwise?
Yes.
Investors can apply for a Nestwise mortgage as long as they meet conventional lending guidelines. Nestwise offers loans for eligible investment properties using standard Fannie Mae and Freddie Mac requirements.
What types of investment properties are eligible?
Nestwise can lend on:
Non-owner-occupied single-family homes
Eligible condos
1–4 unit residential properties (if allowed under agency rules)
Investment properties must meet all standard:
Credit requirements
Income requirements
Reserve requirements
Property eligibility rules
What credit and down payment requirements apply?
Investment properties follow stricter agency rules than primary residences.
Typical requirements (may vary by profile):
Credit score: Minimum 620
Down payment: Typically 15%–20% or more
Reserves: Multiple months of mortgage payments held in assets
Final requirements depend on your full financial profile.
Does Nestwise offer DSCR or alternative investor loans?
No.
Nestwise does not offer:
DSCR investor loans
Bank statement investor loans
Non-QM investment programs
Nestwise offers only conventional investment property loans.
Borrowers who need more flexible investor financing may consider Doorly™, our sister company.
Learn more at www.godoorly.com.
Can investors refinance with Nestwise?
Yes.
Investors may be eligible for:
Rate-and-term refinances on existing investment properties
Cash-out refinances, depending on equity, credit, and agency guidelines