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Investor Loan
An Investor Loan is designed for borrowers purchasing rental properties or real estate investments. These loans typically require a larger down payment and may have higher interest rates than traditional home loans, but they offer flexible terms tailored to real estate investors. Lenders focus on the property’s income potential, making these loans ideal for buy-and-hold investors, house flippers, and those expanding their rental portfolios. If you’re looking for financing to grow your real estate investments, an investor loan can provide the funding you need.
A Reliable Home Loan You Can Trust.
Flexible Loan Options
Includes short-term loans for fix-and-flip projects or long-term loans for rental properties.
Leverage Potential Rental Income
Rental income may help offset mortgage payments and improve loan eligibility.
Supports Real Estate Portfolio Growth
Ideal for growing a real estate investment portfolio.
Customizable Terms
Interest-only, balloon payments, or traditional fixed-rate structures available to suit investment strategies.
Loan Guidelines
If your details are near these guidelines, we encourage you to apply or reach out. Even if you don’t qualify for a 30-year fixed-rate mortgage, we may have other options available.
The Home
Purchase a new home or refinance your current mortgage.
Credit Profile
A credit score above 620 is typically required.
Debt-to-Income
Your debt-to-income ratio (DTI) should be under 50%.
Closing Costs
Along with your down payment, you’ll need sufficient funds to cover closing costs.
Explore Your Potential
Our calculators help you understand and visualize your options
Mortgage Calculator
Planning to buy a home? Calculate your estimated monthly payments, including taxes and insurance.
Refinance Calculator
Considering refinancing your mortgage? Find out how much you could save.
Frequently Asked Questions
Have questions? We’ve got answers! Explore our FAQ section to find helpful information about loans, refinancing, and more. If you don’t see what you’re looking for, feel free to contact us—we’re here to help!
Who are Investor loan best for?
Investor Loans are best for individuals or entities looking to purchase, refinance, or renovate properties intended for rental income or resale, such as single-family homes, multi-family units, or commercial properties.
How do Investor loan work?
Investor Loans provide financing tailored to investment properties. These loans often have stricter qualification criteria, higher interest rates, and larger down payment requirements than loans for primary residences. Lenders may evaluate factors such as rental income potential or property value to determine eligibility.
What are pros and cons of a Investor loan?
Pros:
- Access to financing for rental or resale properties.
- Can generate passive income and build long-term wealth.
- Flexible loan structures, including interest-only or short-term options.
Cons:
- Higher interest rates and larger down payments required.
- Stricter qualification standards compared to primary residence loans.
- Risk of financial loss if the property does not perform as expected.
Can I get an Investor Loan without prior experience?
Yes, but lenders may scrutinize your financial profile more closely. Some lenders offer programs for first-time investors, though having a solid plan and sufficient reserves can improve your chances.