Know exactly what you can afford before you start searching for a home.
Investment property loans are mortgages designed specifically for purchasing or refinancing rental properties. Unlike primary residence loans, these mortgages account for the unique risks and benefits of income-producing real estate, including potential rental income that can help you qualify.
Whether you're buying your first rental property or expanding an existing portfolio, investment property loans provide the financing needed to build wealth through real estate. From single-family rentals to multi-unit buildings, long-term leases to short-term vacation rentals on Airbnb and VRBO, these loans help investors generate passive income and long-term appreciation.
We're here to make the investment property loan process easier, with tools and expertise to guide you along the way, starting with our no-cost Investment Property Loan Qualifier.
Get Pre-Qualified for Investment Financing
Here's how our investment property loan process works:
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Not sure if you qualify? Our loan officers can review your investment strategy and help you understand which investment property loan options may be available to you.
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Not directly. FHA loans require owner occupancy. However, you can buy a 2-4 unit property with FHA putting just 3.5% down, live in one unit, and rent the others which is a popular house hacking strategy for building wealth.
Fannie Mae and Freddie Mac allow up to 10 financed properties total including your primary residence. Beyond that, you'll need portfolio lenders, DSCR loans, or commercial financing with different guidelines.
Yes. Lenders typically use 75% of market rent from appraisal or current lease amount to offset the property's mortgage payment in your debt-to-income calculation, helping you qualify.
Yes. Investment property loans can be used for short-term vacation rentals. For conventional loans, lenders typically use long-term rental projections for qualification. For more flexibility with STR income, consider DSCR loans which can use actual or projected Airbnb/VRBO income based on market data to qualify.
The loan is essentially the same - it's an investment property loan. However, how you qualify may differ. Short-term vacation rentals on platforms like Airbnb and VRBO may require DSCR financing if you want to use actual STR income projections, or you can qualify with conventional investment property loans using long-term market rent estimates.
The property must be in rentable condition for conventional financing. For properties needing work, consider renovation loans, hard money loans, or DSCR loans after repairs are complete.
Most conventional loans require personal name closing. After closing, you can transfer to an LLC but check with your lender about due-on-sale clauses. DSCR and portfolio loans often allow LLC closing.
Yes. Cash-out refinancing your primary residence is a common strategy to access funds for investment property down payments and build your real estate portfolio.
Investment property loans subject to credit approval. Higher down payments and reserves required compared to primary residence loans. Rental income subject to lender verification and calculation methods. Interest rates typically higher for investment properties than primary residences. Property must be in rentable condition. Short-term rental properties may require DSCR or portfolio loan products. Consult tax and legal advisors regarding real estate investing. This is not investment advice. Not a commitment to lend. Rates and terms subject to change without notice.
Get a no-cost quote on investment property financing and start generating passive income.
