The Lowdown on Investment Property Loans...
Financing for Rental Properties and Portfolio Growth
Investment property loans are mortgages designed specifically for purchasing or refinancing rental properties. Unlike primary residence loans, these mortgages account for the unique risks and benefits of income-producing real estate, including potential rental income that can help you qualify.
Whether you’re buying your first rental property or expanding an existing portfolio, investment property loans provide the financing needed to build wealth through real estate. From single-family rentals to multi-unit buildings, these loans help investors generate passive income and long-term appreciation.
We’re here to make the investment property loan process easier, with tools and expertise to guide you along the way, starting with our no-cost Investment Property Loan Qualifier.
Key Benefits:
- Build wealth through appreciating real estate assets with leverage
- Generate passive monthly income from rental properties
- Diversify your portfolio beyond stocks and bonds into tangible assets
- Potential rental income helps you qualify for financing
Get Pre-Qualified for Investment Financing
The Investment Property Loan Process
Here’s how our investment property loan process works:
- Research rental markets, analyze potential properties, and calculate expected cash flow with all expenses
- Build strong credit profile and substantial reserves, then get pre-qualified with investment property lender
- Find rentable property meeting lender requirements, make offer, and submit application with documentation
- Complete appraisal including market rent analysis, close on your investment property, and begin generating income
I Want My No-Cost Investment Property Loan Quote
Common Questions About Investment Property Loans
Your Investment Property Loan Could Be Fully Funded 30 Days From Now
Passive Income
Generate monthly rental income that can cover mortgage payments and create positive cash flow
Portfolio Growth
Finance up to 10 properties through conventional financing to build substantial real estate wealth
Rental Income Qualification
Use 75% of projected rental income to offset mortgage payments in qualification calculations
Tax Advantages
Deduct mortgage interest, depreciation, repairs, and other expenses from rental income, consult tax advisor
Property Appreciation
Build equity through property appreciation while tenants pay down your mortgage principal
Expert Guidance
Work with investment property loan specialists who understand real estate investing and portfolio building
Investment property loans subject to credit approval. Higher down payments and reserves required compared to primary residence loans. Rental income subject to lender verification and calculation methods. Interest rates typically higher for investment properties than primary residences. Property must be in rentable condition. Consult tax and legal advisors regarding real estate investing. This is not investment advice. Not a commitment to lend. Rates and terms subject to change without notice.
Do I Qualify?
Investment property loans typically require credit score of 620 minimum with 740 or higher for best rates, down payment of 15-25% depending on property type and loan amount, cash reserves of 6 months of mortgage payments for the investment property or more for multiple properties, debt-to-income ratio typically 43-45% including new rental property, sufficient income to make monthly payments, and property in rentable condition, subject to credit approval.
Not sure if you qualify? Our loan officers can review your investment strategy and help you understand which investment property loan options may be available to you.
Investment Property Loan Qualifier
Check your investment property loan eligibility in one minute
