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Investment Property Financing
Designed for real estate investors, our financing options offer the flexibility and support needed to grow your portfolio. Find solutions tailored to your investment goals.
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Investment Property Financing FAQs
Whether you’re a first-time investor or an experienced property owner, financing an investment property comes with unique opportunities and considerations. Here are answers to frequently asked questions to guide your investment journey.
What is investment property financing?
Investment property financing refers to loans specifically designed for purchasing, refinancing, or renovating real estate properties that are primarily used for investment purposes, such as rental properties or vacation homes. These loans typically have different terms and requirements compared to primary residence mortgages.
What are the eligibility requirements for investment property financing?
Eligibility for investment property financing depends on factors such as credit score, down payment, income, and the type of property you're investing in. Lenders often require higher credit scores and down payments for investment properties compared to owner-occupied homes.
How much of a down payment is needed for an investment property?
The down payment for an investment property typically ranges from 15% to 25%, depending on the loan type and the lender's requirements. Larger down payments may help secure better interest rates or loan terms.
Can I use rental income to qualify for investment property financing?
Yes, rental income from the property can often be used to help qualify for the loan. Lenders will typically require proof of potential rental income, and in some cases, may allow a portion of the rental income to count toward your debt-to-income ratio.
What types of loans are available for investment properties?
There are various loan options available for investment properties, including conventional loans, FHA loans (for multi-unit properties), VA loans (for eligible veterans), and non-traditional loans such as DSCR (Debt Service Coverage Ratio) loans, which are ideal for investors who don’t rely on personal income.
