Investment Loans
Investment Property Loans
Competitive financing for purchasing or refinancing investment real estate.
Overview
What Is a Investment Property Loan?
Whether you’re acquiring a vacation condo, a single-family rental, or a multi-unit building, our investment property loans offer flexible terms and competitive rates tailored to your investment strategy.
Key Benefits
Why Choose This Program?
- ✓ Fixed and ARM options
- ✓ Down payments from 15%
- ✓ Cash-out refinancing available
- ✓ Portfolio lending options
- ✓ Flexible underwriting
Requirements
What You’ll Need
- ✓ Credit score 660+
- ✓ Debt-to-income ratio under 45%
- ✓ Investment experience preferred
- ✓ Property appraisal required
Who Should Choose This Loan?
Is the Investment Property Right for You?
- ✓ Investors buying properties for appreciation and income
- ✓ Buyers purchasing second homes as investments
- ✓ Those looking to diversify with real estate
- ✓ Borrowers with strong credit and available capital
Frequently Asked Questions
Investment Property FAQ
What’s the minimum down payment for an investment property?
Most programs require 15–25% down. The exact amount depends on the property type, number of units, and your credit profile.
Are investment property rates higher?
Yes, typically 0.5–1% higher than owner-occupied rates due to the higher risk profile of investment properties.
Can I use future rental income to qualify?
Lenders may use projected rental income from an appraisal, but typically only 75% of gross rent counts toward qualifying income.
Not sure if the Investment Property is right for you? Compare all loan programs →
Ready for an Investment Property Loan?
Get a personalized rate quote and see how much you qualify for.