Investment Property Financing
Financing built for rental properties and short-term rentals — including options that don't require personal income documentation.
Talk to a Local ExpertWhy investors choose FCLS.
DSCR options available
Qualify using the property's rental income instead of your personal income.
No limit on financed properties
Grow your portfolio without the property-count restrictions of conventional loans.
Short-term rental friendly
Projected Airbnb or VRBO income can count toward qualification in the right market.
Fast, in-house decisions
Correspondent funding means faster underwriting when you're competing for a deal.
Ready to finance your next investment property?
Investment property financing works differently than a primary residence purchase. Watch a short walkthrough of the steps, or connect directly with a local expert who works with investors regularly.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about financing a rental or short-term rental property? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the investment property program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure Investment Property Financing is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
The 3 Economic Indicators We Watch Every Week (And Why They Matter to Mortgage Rates)
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What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
