Investment Property

An investment property is real estate owned with the intent to generate rental income, appreciation, or both — distinct from a primary residence or second home. Common investment property types include single-family rentals (SFRs), small multifamily (2-4 units), short-term vacation rentals, and commercial real estate.

Lenders treat investment properties differently from primary residences: typically higher down payments (20-25% vs 3-10%), higher rates (0.5-1% premium), and stricter reserves requirements. Qualifying often uses DSCR (cash-flow based) instead of DTI.

Why it matters for Milo customers

Milo's investment property programs are designed for crypto-wealthy investors building rental portfolios. DSCR underwriting on the property's cash flow, combined with crypto reserves to satisfy lender requirements, lets borrowers scale up without W-2 income constraints.

Related terms

DSCR LoanInvestment Property MortgageCap RateNon-QM Loan
Interest RateInvestment Property Mortgage

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