Investment Property Loans
Finance rental properties and investment real estate. Build your portfolio with competitive rates and flexible terms for both single-family and multi-unit properties.
Whether you're buying your first rental property or expanding an existing portfolio, investment property loans provide the financing you need to build wealth through real estate. From single-family rentals to multi-unit buildings, we offer competitive programs designed for real estate investors.
Why Invest in Rental Properties?
Build Wealth
Generate passive income and build equity as tenants pay down your mortgage over time.
Monthly Cash Flow
Earn rental income that can cover your mortgage and expenses while generating profit.
Property Appreciation
Benefit from long-term appreciation as real estate values increase over time.
Tax Advantages
Take advantage of tax deductions for mortgage interest, property taxes, depreciation, and expenses.
Investment Property Loan Features
- Single-Family to Multi-Unit:Finance properties from single-family homes to 4-unit multi-family buildings.
- Competitive Rates:Access competitive interest rates for investment properties with strong financials.
- Down Payment Options:Typically 15-25% down, depending on property type, your experience, and credit profile.
- Use Rental Income:Projected rental income can be used to help qualify for the loan.
- Portfolio Financing:Experienced investors can finance multiple properties and continue building their portfolios.
Investment Property Loan Requirements
- •Credit Score: Typically 620 minimum, with better rates for scores above 720
- •Cash Reserves: Lenders usually require 6-12 months of mortgage payments in reserves
- •Debt-to-Income: Your total debt payments should generally be below 45% of income
- •Property Appraisal: The property must appraise at or above the purchase price
Start Building Your Real Estate Portfolio
Our investment property loan specialists understand real estate investing. We'll help you analyze the numbers, structure your financing, and find the best loan program for your investment goals. Whether you're buying your first rental or your tenth, we're here to help you grow your portfolio.