Yes. Many investors use DSCR loans, a type of Non QM financing, where approval is based more on the property’s cash flow than personal income. This can be helpful for investors with multiple properties or self employed income.
Investment property loans help real estate investors buy or refinance rental and income producing properties. These programs focus on borrower strength, property value, and cash flow, with flexible options for single family rentals and multi unit properties. Get the financing you need to move on opportunities and maximize returns.
Investment property financing provides mortgage options for buyers looking to purchase rental properties, vacation homes, or multi-family units. These loans are designed for real estate investors who generate income through rental properties or property appreciation.
Real estate investors, landlords, and buyers looking for long-term rental income, short-term vacation rentals (Airbnb), or multi-unit properties can benefit from investment property loans. If you’re planning to generate rental income or flip homes for profit, these loan options offer flexible financing solutions.
Unlike primary residence mortgages, investment property loans have stricter qualification requirements, including higher credit scores, larger down payments, and proof of rental income potential. Lenders assess debt-to-income ratio, property cash flow, and borrower experience when determining eligibility.
Investment property financing options include conventional investment loans, debt-service coverage ratio (DSCR) loans, non-QM loans, hard money loans, and commercial real estate loans. Investors can choose from fixed-rate or adjustable-rate mortgages (ARMs), depending on their strategy.
Investment property financing provides long-term wealth-building opportunities by allowing borrowers to generate passive rental income, leverage property appreciation, and diversify investment portfolios. These loans offer higher borrowing limits, multiple property financing options, and customized loan structures for investors.
If you’re an investor looking to expand your real estate portfolio, generate rental income, or flip homes for profit, an investment property loan may be the ideal financing option. A mortgage specialist can help you determine the best loan structure for your investment goals.
Jon Shrum, President of KMC Financial and Team Shrum, helps real estate investors secure financing that supports long term growth. He understands rental income, cash flow, and investor focused programs, and compares options across multiple lenders to find the right fit. With clear guidance and fast execution, Jon helps you move on opportunities with confidence.
Investment property financing helps real estate investors buy or refinance rental and income producing properties. These FAQs explain common loan options, down payments, rates, qualification guidelines, and how lenders evaluate rental property mortgages so you can grow your portfolio with confidence.
An investment property loan is a mortgage used to purchase or refinance a property you do not live in, such as a long term rental or income producing home. Lenders typically have different requirements than primary residence loans.
Down payments are usually higher for investment properties, often starting around 15 percent to 25 percent depending on the loan type, credit, and property. Multi unit properties may require more.
Rates are often higher compared to primary residence loans because rental properties carry more risk for lenders. Your credit score, down payment, reserves, and property type all influence the final rate.
Yes. Many lenders allow rental income to be used in qualification, often using an appraisal rent schedule or existing lease agreements. The amount counted may be reduced to account for vacancies and expenses.
Requirements vary, but lenders typically prefer stronger credit for rental property financing. Higher scores often help you qualify for better rates and more flexible terms.
Common eligible properties include single family rentals, condos, townhomes, and multi unit properties. Some loan programs also allow short term rentals, but guidelines can be stricter and may depend on location and lender rules.
Yes. Many investors use DSCR loans, a type of Non QM financing, where approval is based more on the property’s cash flow than personal income. This can be helpful for investors with multiple properties or self employed income.