Investment Loans
Rental Property Loans
Long-term financing for 1-4 unit residential rental properties.
Overview
What Is a Rental Property Loan?
Rental property loans are designed specifically for investors purchasing 1-4 unit residential properties to generate rental income. These loans offer competitive rates and longer terms than typical investment financing, making them ideal for building a rental portfolio.
Key Benefits
Why Choose This Program?
- ✓ Competitive fixed rates
- ✓ Terms up to 30 years
- ✓ Down payments starting at 20%
- ✓ Cash flow from rent considered
- ✓ Finance up to 10 properties
Requirements
What You’ll Need
- ✓ Minimum credit score 640+
- ✓ Six months reserves per property
- ✓ Rental income documentation
- ✓ Property inspection required
Who Should Choose This Loan?
Is the Rental Property Right for You?
- ✓ Investors purchasing 1–4 unit rental properties
- ✓ Landlords expanding their portfolio
- ✓ Buyers seeking long-term passive income
- ✓ Investors using rental income to qualify
Frequently Asked Questions
Rental Property FAQ
How much down payment do I need?
Typically 20–25% for investment properties. Some programs allow 15% down with mortgage insurance.
Can I use rental income to qualify?
Yes. Lenders typically use 75% of the gross rental income (to account for vacancies and expenses) when calculating your qualifying income.
What’s the difference between a rental property loan and a DSCR loan?
Rental property loans require personal income verification, while DSCR loans qualify based on property income alone. Compare options →
Not sure if the Rental Property is right for you? Compare all loan programs →
Ready for a Rental Property Loan?
Get a personalized rate quote and see how much you qualify for.