All Programs and Guides on Investor Loans Washington
Every guide on this site, one screen. Program pages carry the mechanics; market pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: ordinary rules, no transfer tax to refinance, BRRRR seasoning timelines.
- Short-term rental loans: Airbnb financing with honest income-documentation lanes, plus the 30-day mid-term angle.
- LLC lending: close in the entity; due-on-sale rules; why Washington has no series LLC.
- Portfolio + 2–4 unit + ADU + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
Market guides
- Seattle: honest math for a high-price market; the 2–4 unit and ADU lanes.
- Spokane (+ Tacoma): the state's cash-flow market, and the metro-demand middle path.
- Vancouver, WA: the Portland tax arbitrage that survived 2025.
Washington reference
- The Washington rent cap, for investors: HB 1217, the 9.683% number, and the exemptions most blogs get wrong.
- STR rules by city: the seven-jurisdiction status table, verified July 2026.
- Rental property taxes: the capital-gains corrective, REET tiers, and the 1%-limit myth.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. Washington's rent-cap figures, city and county STR rules, and tax figures change; verify current requirements with the city or county, your CPA, or a Washington real estate attorney before you buy. Loans are subject to buyer and property qualification.