Investment Property Loans
Financing for rental homes and small multi-unit properties.
Investment property loans finance non-owner-occupied residential rentals - single-family homes, condos, and 2–4 unit properties. We offer both conventional investor financing and DSCR programs depending on your qualification path.
What a Investment Property Loan Looks Like
A quick read on who this program fits, what it takes to qualify, and where the money goes - so nothing feels like a surprise.
Who It’s For
Financing for rental homes and small multi-unit properties.
- Buy-and-hold real estate investors
- Portfolio-building landlords
- Owners of 1–4 unit rentals
How You Qualify
Underwriting reviews credit, income, and the property together to build the loan.
- 15%–25% down typical for 1-unit; 25%+ for 2–4 unit
- Credit generally 680+
- Reserves of 6 months typical
What It Costs
15%–25% for single-family; 25%+ for 2–4 unit properties. - Standard 2%–5% range plus any investor pricing adjustments.
- Fixed and adjustable options
- Conventional or DSCR qualification paths
- Cash-out refinances to redeploy equity
What You’ll Need to Qualify
- 15%–25% down typical for 1-unit; 25%+ for 2–4 unit
- Credit generally 680+
- Reserves of 6 months typical
- Full documentation or DSCR
Have These Ready
- Lease agreements (existing rentals)
- Standard income/asset documents
- Two months bank statements
- Property insurance
Not Sure If You Qualify Yet?
A licensed loan advisor will walk your numbers with you - no credit pull, no obligation. You’ll leave the call knowing exactly what to fix first.
The Upside - and What to Weigh
Every program has trade-offs. Here’s the honest picture side by side, without the marketing gloss.
Benefits
- Fixed and adjustable options
- Conventional or DSCR qualification paths
- Cash-out refinances to redeploy equity
- Rental income can help qualify
Considerations
- Higher rates than owner-occupied loans
- Larger down payment
- Stricter reserve requirements
- Owner-occupied buyers - different loan programs price much better
- Investors without 20–25% down
- Borrowers with under 6 months of reserves
Run the Numbers on a Investment Property Loan
Adjust the price, down payment, and rate to see an estimated monthly payment. Great for narrowing the search before you formally apply - a quick preapproval confirms your real numbers.
Estimate only. Taxes, insurance, and PMI vary by location and loan program.
Get Preapproved
From Application to Keys in Typically 30–45 days from application to close.
- 01Apply
Quick online form or a 10-minute call.
- 02Verify
Income, assets, and credit reviewed together.
- 03Appraisal
Property value confirmed for the loan amount.
- 04Close
Sign, fund, and get your keys.
More for Investment Property Loans Shoppers
Compare Similar Programs
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Open
Read up Before You Apply
Questions We Hear About Investment Property Loans
Can’t find yours here? A licensed advisor can walk through your specific situation in under 15 minutes.
Straight answers, no pressure - email or call directly.
See if a Investment Property Loan Fits Your Situation.
A 10-minute preapproval gives you real numbers and a licensed advisor to answer questions - no pressure, no obligation.
