Investment Property Loans
Finance Rental & Income-Producing Real Estate
Looking to purchase or refinance an investment property? Investment property loans are designed for buyers who want to generate income through real estate. Whether you’re buying your first rental or expanding your portfolio, we’ll help you find financing that supports your long-term goals.
An investment property loan is used to finance real estate that generates income, such as rental homes or multi-unit properties. These loans are structured differently than primary home loans and are designed for buyers focused on cash flow, returns, and portfolio growth.
What Is an Investment Property Loan?
Investment loans can be used for:
Single-family Rental Homes
Fix-and-Hold Investments
Multi-unit Properties
Refinancing Existing Rental Properties
Benefits of Investment Property Financing
BUILD LONG TERM WEALTH THROUGH REAL ESTATE
GENERATE RENTAL INCOME
FLEXIBLE LOAN OPTIONS
How to Qualify for an Investment Property Loan
If you’re asking “how do I finance an investment property?” or “what is required?”
Here’s a general guide:
Credit score: Typically higher than primary home loans
Down payment: Often 15–25%
Income & reserves: Strong financial profile preferred
Property cash flow potential
Experience (for some programs)
We’ll review your financial situation and investment goals to structure the right loan for you.
FAQs
What is the minimum down payment for an investment property?
1
Most loans require a down payment of 15–25%, depending on the property and borrower profile.
Are interest rates higher for investment properties?
2
Yes, rates are typically higher than primary residence loans due to increased risk.
Can I refinance an investment property?
3
Yes, refinancing can help lower your rate, adjust terms, or access equity.
Do I need rental income to qualify?
4
Rental income may be considered depending on the property and loan program.