Investment Property Loans
Financing solutions for real estate investors looking to purchase or refinance investment properties, from a first rental to a growing portfolio.
Financing designed around rental real estate
Investment property loans are for properties you don't plan to live in: long-term rentals, small multifamily buildings and other income-producing residential real estate. Because the property is an investment, lenders look at it differently than a primary home, and the right program depends on your experience, income documentation, the property type and your goals.
I'll help you compare the options you may be eligible for, including traditional investment financing, DSCR loans based on rental income, and bank statement loans for self-employed investors.
What investors use these loans for
- Purchasing a rentalBuying a single-family or 2–4 unit residential property to rent out.
- Rate and term refinanceRefinancing an existing investment property to change the rate or term of the loan.
- Cash-out refinanceAccessing equity in a rental property, subject to program limits and eligibility.
- Growing a portfolioPlanning financing for additional properties when you already own rentals.
- Entity ownershipSome programs may allow closing in the name of an LLC; we'll review whether that's available for your scenario.
- Different property typesEligible property types vary by program, including condos and small multifamily.
What's typically reviewed
Requirements vary by program and lender. Depending on the loan, underwriting may look at:
- Credit historyYour credit profile and score, reviewed with your permission.
- Down payment and reservesFunds for the down payment, closing costs and required reserves.
- Income or rental incomePersonal income documentation, rental income, or both, depending on the program.
- The propertyAppraisal, property type, condition and, for rentals, market rent or existing leases.
Investment loan FAQ
How is an investment loan different from a primary home loan?
Lenders generally treat investment properties as higher risk than homes you live in, so down payment, reserve and pricing requirements are often different. The exact terms depend on the program and your overall scenario.
Can I use the property's rent to help qualify?
Often, yes. Many programs consider rental income, and DSCR loans may qualify you primarily on the property's rental income. Each program has its own rules for how rent is documented and calculated.
Do I need to be an experienced investor?
Not necessarily. Some programs are available to first-time investors, while others may have experience requirements. Tell me about your background and we'll look at what fits.
Let's look at your next investment property
Share the property, your goals and your timeline, and I'll walk you through the options you may be eligible for.
Subject to eligibility, underwriting and applicable lender requirements. This is not a commitment to lend.