Investment Property Loans are designed for buyers looking to purchase or refinance properties intended to generate rental income or long-term appreciation. These loan programs offer flexible financing options for both new and experienced real estate investors.
Ideal for long-term rentals, short-term rentals, and multi-unit properties. These programs help investors grow and scale their portfolios.
Depending on the loan type, borrowers may qualify using traditional income, bank statements, or rental income instead of personal income.
Options include fixed-rate, adjustable-rate, and interest-only programs, giving investors flexibility in cash-flow management.
Most investment loan programs require a 620–680+ credit score, depending on the property type, loan structure, and borrower experience.live in the home, the down payment requirements may be lower.
DTI requirements vary by program. Some loans focus on personal income, while others rely primarily on property cash flow rather than borrower income.
Down payments typically start at 15%–20% down, with higher requirements possible for certain property types or loan programs.
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