Investment PropertyLoans
Flexible financing for income-producing real estate. Qualify based on property cash flow, not personal income. Scale your rental portfolio with execution certainty.
What Is Investment Property Financing?
Investment property loans are specialized financing solutions designed for real estate investors purchasing or refinancing income-producing properties. Unlike conventional mortgages that focus on borrower income and employment, investment property financing is underwritten based on the property's cash flow and debt service coverage ratio (DSCR).
This approach is ideal for investors who may have complex tax situations, multiple properties, or self-employment income that doesn't fit traditional lending guidelines. By focusing on asset performance rather than personal financials, investment property loans enable faster scaling and more efficient capital deployment for serious real estate investors.
Types of Investment Properties We Finance
Our investment property loan programs cover a wide range of income-producing residential real estate:
- Single-Family Rentals (SFR): The most common investment property type, offering stable cash flow and appreciation potential in residential neighborhoods.
- 2-4 Unit Properties: Duplexes, triplexes, and fourplexes that maximize income per property while still qualifying for residential loan programs.
- Small Multi-Family (5-20 units): Apartment buildings that offer economies of scale and professional-grade income potential.
- Townhomes & Condos: Investment-grade units in association-managed communities with lower maintenance requirements.
Investment Property Loan vs. Conventional Mortgage
Traditional mortgages require extensive income documentation, employment verification, and debt-to-income calculations that can disqualify active real estate investors. Investment property loans solve this by qualifying borrowers based on what the property produces, not what the borrower earns from other sources.
This fundamental difference enables investors to scale faster, finance more properties simultaneously, and deploy capital without the documentation burden of conventional lending. For serious investors building rental portfolios, investment property loans provide the flexibility and execution speed that traditional banks simply cannot match.
Investment Property Loan Highlights
Flexible terms designed for serious real estate investors building income-producing portfolios
Cash-Flow Underwriting
Loans qualified based on property income and DSCR, not personal income verification
1-20+ Properties
Finance single assets or entire portfolios with flexible structuring options
Up to 80% LTV
Competitive leverage for acquisitions and refinances on income-producing properties
Close in 14-21 Days
Streamlined underwriting designed for experienced investors who move fast
No Tax Returns
Investor-friendly documentation requirements focused on property performance
Interest-Only Available
Maximize cash flow with interest-only payment structures on qualifying properties
Income-Producing Real Estate
Investment Property Loan Process
From application to funding in as few as 14 business days
Property Analysis
Submit property details and rental income data for initial evaluation
Cash-Flow Review
We analyze DSCR, market rents, and property performance metrics
Term Sheet
Receive competitive loan terms based on property cash flow and equity
Close & Fund
Complete closing and receive funding within 14-21 business days
Investment Property Loans by State
We provide investment property financing across major U.S. markets
Investment property loans in California, Texas, Florida, and 24+ additional states. Contact us for coverage in your specific market.
Who Investment Property Loans Are For
Designed for serious investors building income-producing real estate portfolios
Rental Property Owners
Individual investors building long-term rental portfolios for passive income
Portfolio Investors
Experienced operators scaling from a few properties to institutional-size holdings
Buy & Hold Investors
Long-term wealth builders focused on appreciation and cash flow
BRRRR Strategists
Investors executing Buy-Rehab-Rent-Refinance-Repeat strategies
Investment Property Loan FAQ
What is an investment property loan?
An investment property loan is financing specifically designed for properties purchased to generate income or appreciation rather than as a primary residence. These loans are underwritten based on property cash flow and investor experience rather than traditional income verification, making them ideal for real estate investors building rental portfolios.
How do investment property loans differ from conventional mortgages?
Investment property loans focus on property performance (rental income, DSCR) rather than borrower W-2 income. They typically offer faster closings, more flexible documentation requirements, and are designed for investors who may have complex tax situations or multiple properties that don't fit conventional lending guidelines.
What is DSCR and why does it matter?
DSCR (Debt Service Coverage Ratio) measures whether a property's rental income covers its debt payments. A DSCR of 1.0 means income equals expenses; above 1.0 indicates positive cash flow. Most investment property lenders require a minimum DSCR of 1.0-1.25, with better terms available for higher ratios.
Can I finance multiple investment properties at once?
Yes. We offer portfolio loans that allow you to finance multiple investment properties under a single loan with unified terms. This simplifies management, can improve overall terms, and enables faster portfolio scaling compared to financing each property individually.
What types of investment properties qualify?
We finance single-family rentals (SFR), 2-4 unit properties, small multi-family (5-20 units), townhomes, condos, and mixed-use properties with residential components. Properties can be stabilized (already rented) or recently renovated and ready for tenants.
Do I need to show personal income or tax returns?
No. Our investment property loans are underwritten based on property cash flow, not personal income verification. This is ideal for self-employed investors, those with complex tax situations, or anyone who prefers to qualify based on asset performance rather than personal financials.
What are typical investment property loan terms?
Terms typically include 30-year amortization with 5, 7, or 10-year fixed periods, LTV up to 80% for purchases and 75% for cash-out refinances, interest-only options, and rates starting at 7.49% depending on DSCR, LTV, and property type. Loan amounts range from $75K to $5M+.
How quickly can I close on an investment property loan?
Most investment property loans close in 14-21 business days from completed application. Complex portfolios or properties requiring additional due diligence may take 21-30 days. Our streamlined process is designed for experienced investors who need execution certainty.
Ready to Grow Your Rental Portfolio?
Connect with our investment property lending team. Experience-driven capital for income-producing real estate.