📈 Real Estate Investing
Investment Property Loans
Build wealth through real estate with financing designed for investors at every stage.
🔒 Secure · No Obligation
Why This Loan
Investment Property Loans
Investment property loans are used to finance real estate that is intended to generate income or build long-term wealth. These loans are often used for rental properties, portfolio expansion, or properties purchased with the goal of future appreciation.
Whether you’re purchasing your first rental or expanding your portfolio, understanding your financing options—including DSCR loans—can help you move faster and invest smarter.
They can be useful for both first-time investors and experienced real estate buyers who want to acquire residential or income-producing properties. Financing an investment property can help free up capital while allowing investors to pursue new opportunities.
Whether you are building a rental portfolio or purchasing a single investment property, the right loan can help support your real estate strategy.
Quick Overview
Best for: Real estate investors, landlords, portfolio builders, first-time investors
Credit score: 620-680+ depending on lender
Down payment: typically 15-25% for investment properties
Why This Loan
Key Benefits
Build Wealth
Leverage financing to acquire income-producing properties while preserving capital for other opportunities.
Portfolio Growth
Finance multiple properties and grow your portfolio with structured investment property loans.
Rental Income
Use projected rental income in qualification to help meet underwriting requirements.
Refinance Options
Once equity grows, refinance to pull out capital and fund additional investment acquisitions.
Fast Decisions
Investors need speed — our lender network includes specialists who understand investment timelines.
Multiple Structures
Fixed and adjustable rate options available to match your investment holding strategy.
Qualifying
Qualification OverView
General Requirements
Credit score: 620-680+ depending on lender
Down payment: typically 15-25% for investment properties
Rental income can be used for qualification in most cases
Reserves: 6+ months often required per investment property
Final qualification is determined by individual lenders. Requirements vary. This is for informational purposes only.
Typical Documentation
Tax returns (2 years, all schedules)
Current lease agreements for existing rentals
Bank and asset statements (3 months)
Real estate portfolio schedule if applicable
Documentation requirements vary by lender and loan program. Your matched lender will provide a specific list.
See if this loan fits your scenario
FAQ
Investment Property Loans
Questions
Most conventional investment property loans require 15% down for a single-unit property and 25% for multi-unit (2-4 units). Some portfolio lenders may offer different structures.
Yes, most lenders allow you to use 75% of gross rental income to offset the property’s mortgage payment for qualification purposes. Actual policy varies by lender and program.
Yes, investment property rates are typically 0.5-1% higher than primary residence rates due to the higher perceived risk. Strong credit and larger down payments can help minimize the premium.
Conventional Fannie Mae guidelines allow up to 10 financed properties. Portfolio lenders may have different limits. A specialist investor lender can help you structure your portfolio financing.