Investment Properties

What is an Investment Property Loan?

When we talk about investment properties, we usually mean 1-4 unit rental properties. Investors are typically looking to generate positive cash flows and ensure that their rents are covering their financing costs on the property.

Investment property loan amounts typically range from $50,000 to $2 million or higher. These loans usually require a minimum down payment of 20%. 

Since these loans are done for “business purposes” and non owner occupied they are technically commercial investment properties even though they are still 1-4 unit properties. A single family home purchased for business purposes/rental income can qualify for these types of loans.

Loan Eligibility

These loans are for people or businesses looking to purchase non owner occupied investment properties. These qualify as commercial loans as they are for business purposes.

Non-owner occupied

Property must be for business purposes & CANNOT be owner occupied.

1-4 Units Available

As little as 20% down

Rental Income

Use rental income from properties to support payments. So long as the rents cover the full monthly payments, you may qualify for the loan using the minimum down payment and only the rents to qualify. No personal income is typically required. Monthly reserves may be required and credit will still be verified*

We're here to help!

Have a question or just want to send a message?

For our internal use only. Your information will not be shared.