Qualifying is going to be contingent on the individual real estate investor's credit worthiness and is where it is critical that a mortgage broker have experience with investment property lending. Credit score, assets, number of properties owned, length of time on job, and landlord experience all contribute to an approval, as with any loan. 

However, when it comes to investment properties, the rules change.  Guidelines for these loans are far different then owner occupied loans down to almost every aspect.  Almost everything needs to be higher, and the broker needs to be able to foresee any challenges pertinent to the borrower based on experience. 

At IPL, we are also investors, and have personal experience with what the bank likes to see, due to our current clientele and our own personal investments.