Investment Property Loan
Rental purchase. Refinance options.
Investment Property Loans are designed for purchasing or refinancing rental homes, offering financing options that support income-generating real estate investments.


Investment Property Loan
features
Investment Property Loan
Benefits
Provides the necessary capital to acquire or refinance properties, enabling investors to expand their real estate portfolios.
Investing in real estate can offer significant returns through rental income and property appreciation.
Investors may benefit from tax deductions related to mortgage interest, property taxes, and depreciation.
Real estate investments can diversify an investment portfolio, potentially reducing overall risk.
FAQs
Investment property loans can take slightly longer to close than primary home loans, often 40 to 60 days, because they require extra review of your financials and rental income.
For an investment property loan, you’ll need tax returns, pay stubs, bank statements, and proof of funds for the down payment. If you already own rental properties, lenders may also ask for lease agreements and rental history.
Yes. Investment property loans require an appraisal so the lender can verify the property’s value and potential rental income. This helps confirm the loan amount and the property’s ability to support investment use.
To qualify for an investment property loan, borrowers typically need higher credit scores, low debt-to-income ratios, and larger down payments. Lenders also look for strong financial stability, since rental income can vary.
An investment property loan is a mortgage used to finance a home you plan to rent out or use to generate income. These loans often require higher down payments and stronger financial qualifications.
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