Investment Property Mortgage

An investment property mortgage finances a home the borrower won't live in — typically a rental, flip, or vacation property held for income. Because lenders see higher default risk on non-owner-occupied properties, they require larger down payments (usually 20%–25%), stricter credit, and charge rates 0.5%–1% above owner-occupied mortgages.

Investment mortgages come in many flavors: conventional (capped at 10 financed properties per Fannie/Freddie rules), DSCR (qualified on rent), bank portfolio, and crypto-backed. Each suits different investor profiles.

Why it matters for Milo customers

Milo investment property loans qualify on the property's rental cash flow (DSCR) and/or the borrower's crypto reserves. This lets crypto investors build rental portfolios without converting BTC or ETH to a paycheck.

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