Investment Property
Investment property loans for building wealth.
Whether it's your first rental or your next addition, the right financing structure protects your cash flow and your long-term returns.
Investment property loans finance homes you'll rent out rather than live in. Options range from conventional financing to DSCR loans that qualify based on the property's rental income rather than your personal income.
Because these loans carry more risk for lenders, they typically require larger down payments and reserves - but they're a proven tool for building long-term wealth when structured well.
Quick facts
- Down payment
- Often 15%-25%+
- Options
- Conventional & DSCR
- Qualifying
- Personal or rental income
Key advantages
- Conventional financing for 1-4 unit properties
- DSCR loans that qualify on rental income, not personal income
- Portfolio options for multiple properties
- Strategies to preserve reserves and cash flow
What to keep in mind
- Larger down payments and reserves are typically required
- Rates are often higher than for a primary residence
- Rental income and property expenses factor into approval
Frequently asked questions
Growing your real estate portfolio?
Let's structure financing that protects your cash flow and your next move.
This information is for educational purposes only and is not a commitment to lend or a guarantee of approval. Program guidelines, rates, and eligibility vary by lender, location, and individual circumstances and are subject to change. Please consult a licensed mortgage professional for guidance specific to your situation.