Your Journey
Real Estate Investor Financing
Finance the property, not just the pay stub. We help investors build portfolios with programs designed for cash flow and growth.
An Overview
Real estate investing requires a different approach to financing. Traditional loans often rely on personal income, which can limit investors who are growing a portfolio. Our loan officers specialize in investor financing — including DSCR loans that qualify based on property cash flow — and help you look beyond the headline rate to evaluate cash flow, reserves, prepayment terms, loan structure, and long-term strategy.
Common Goals
- Finance rental properties based on cash flow, not just W-2 income
- Build a portfolio with multiple financed properties
- Access cash-out refinance for portfolio growth
- Evaluate deals based on DSCR, reserves, and long-term strategy
- Vest properties in an LLC where permitted
What to Expect
- Investor-focused program options (DSCR, Non-QM)
- Cash flow and DSCR analysis for target properties
- Portfolio strategy and growth planning
- Clear explanation of prepayment terms and structure
The Path Forward
Define Your Strategy
We discuss your investment goals — long-term rentals, short-term rentals, fix-and-flip, or portfolio growth.
Analyze the Property
We review the target property's rental income, expenses, and DSCR to determine qualifying programs.
Secure Financing
We match you with the right investor loan — DSCR, bank statement, or conventional — and guide you through approval.
Close and Grow
We close efficiently and help you plan for your next acquisition.
Recommended Programs
JumboJumbo Loans
Financing above conforming loan limits for higher-priced homes.
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Non-QMDSCR Loans
Qualify real estate investors based on property cash flow — not personal income.
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Non-QMBank Statement Loans
Self-employed borrowers can qualify using bank statements instead of traditional income documentation.
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Non-QMAsset Depletion Loans
Leverage your accumulated assets to qualify — ideal for borrowers with significant wealth but limited monthly income.
Learn moreSpecialists in This Journey
Michael Folger
Mortgage Loan Officer
Michael Folger is a Portland-based mortgage professional dedicated to empowering clients through transparent education and expert guidance. He focuses on simplifying the home financing process to help you make confident, informed financial decisions.
4.99(176)GoogleZillowKahren Oxner
Founder & CEO
Kahren founded One Eleven Mortgage to provide clients and realtor partners with unmatched options and a personal, boutique experience. With years of experience across conventional, government, and Non-QM lending, she specializes in complex scenarios — investors, self-employed borrowers, and ITIN financing.
Next Step
Ready to Move Forward?
Connect with Kahren who understands this journey and can help you evaluate your options.