Investment Property Financing Solutions for Real Estate Investors

Typical investment property loans require 15-25% down payment, though requirements vary by property type and investor experience. Multi-unit properties, experienced investors with strong portfolios, and certain loan programs may qualify for lower down payments. DSCR loans and portfolio programs often offer the most flexibility for seasoned investors.

Yes! We offer portfolio lending solutions that allow you to finance multiple properties under a single loan or manage several individual mortgages across your real estate portfolio. Experienced investors can typically finance 10 or more properties with the right qualifications and loan programs. Our team specializes in helping investors scale their portfolios efficiently.

Not always. We offer DSCR (Debt Service Coverage Ratio) loans that qualify based on the property's rental income rather than your personal income. These programs are ideal for self-employed investors, those with complex tax returns, or investors looking to scale quickly without traditional income documentation. Bank statement programs and portfolio loans also provide alternative qualification methods.

Investment property closings typically take 30-45 days, but we can expedite the process for time-sensitive opportunities. With complete documentation and property appraisals in hand, some investors close in as little as 21 days. Our streamlined approval process and dedicated investment lending team work to meet your timeline and help you secure properties in competitive markets.

We finance a wide range of investment properties including single-family rentals, multi-unit properties (2-4 units), apartment buildings (5+ units), fix-and-flip projects, vacation rentals, commercial properties, and mixed-use buildings. Whether you're investing in residential or commercial real estate, we have specialized programs to support your strategy.

Absolutely. Rental income is a key factor in investment property financing. For occupied properties, we can use current lease agreements. For vacant properties or new purchases, we'll use market rent analysis and comparable properties to estimate income. DSCR loans specifically focus on the property's ability to generate sufficient rental income to cover the mortgage payment and expenses.

First-time investors are welcome! While experienced investors may qualify for better terms, we work with new real estate investors to help them purchase their first rental property. We provide educational guidance on property analysis, cash flow calculations, and investment strategies. Some loan programs are specifically designed for investors just starting to build their portfolios.

Investment property rates are typically 0.5% to 1% higher than primary residence rates due to the additional risk associated with rental properties. However, rates remain competitive, and the rental income and tax benefits often offset the slightly higher cost. We shop multiple lenders to secure the most competitive rates for your investment property financing.