All Programs and Guides on Investor Loans Michigan
Every guide on this site, one screen. Program pages carry the mechanics; city 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: no homestead-only cap in Michigan; BRRRR seasoning and the tax-reset trap.
- Short-term rental loans: Airbnb/VRBO financing with honest income-documentation lanes.
- LLC lending (no series in Michigan): close in the entity; due-on-sale rules for later transfers.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and which market to scale in.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
City guides
- Detroit: the cash-flow leader, ~16% yields, the non-owner tax and Certificate of Compliance.
- Grand Rapids: the appreciation market where a median deal pencils near 0.77.
- Ann Arbor: the University of Michigan market, lowest yield, tight STR rules.
Michigan reference
- STR permit rules by city: the status table, verified 2026.
- Rental property taxes + the pop-up: Proposal A, the SEV reset, and the Detroit non-owner rate.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City short-term-rental rules and tax figures change; confirm current requirements with the city, your CPA, or a Michigan real estate attorney before you buy. Loans are subject to buyer and property qualification.