Investment Property Loans

Investment loans are commonly used by:

• First-time real estate investors
• Experienced rental property owners
• Buyers purchasing long-term or short-term rentals
• Investors refinancing existing rental properties

These loans are for properties not used as a primary residence.

Conventional Investment Loans
Traditional financing for investment properties that typically require higher down payments and stronger credit than primary residence loans.

DSCR Loans (Debt-Service Coverage Ratio)
These loans qualify based on the property’s rental income rather than personal income. DSCR loans are popular with investors who want simpler documentation and flexible qualification.

Portfolio & Investor Programs
Some lenders offer portfolio-style loans that allow more flexibility with income, property type, or number of properties owned.

Jumbo Investment Loans
For higher-priced investment properties that exceed standard loan limits. Qualification guidelines vary based on income, assets, and property cash flow.

Investment loans typically require:

• Higher down payments than primary residences
• Strong credit profiles
• Proof of rental income (or projected income)
• Adequate reserves

Exact requirements vary based on loan type and property.

Investment loans may be used for:

• Single-family rentals
• Multi-unit properties
• Condos and townhomes
• Short-term rentals (depending on the program)

Property eligibility depends on the loan program and rental strategy.

Investment loans differ from primary residence loans in a few key ways:

• Higher down payment requirements
• Slightly higher interest rates
• Rental income may be used to qualify
• Different documentation requirements

I’ll help you compare options so you can choose the best structure for your goals.

An investment loan may be a great fit if:

• You’re building rental income
• You want to expand a real estate portfolio
• Your property will not be owner-occupied
• You want loan options tailored to cash flow

Investment property loans offer flexible solutions for buyers looking to grow wealth through real estate. Whether you’re purchasing your first rental or expanding your portfolio, there are options designed to support your strategy.

I’ll help you navigate the options and choose the right loan for your investment goals.