Investment Property Loan
Tailored programs for real estate investors.
Financing solutions built specifically for buying, holding, and scaling investment real estate.
What is a Investment loan?
Investment property loans include conventional, DSCR, bank statement, and portfolio programs — designed for non-owner-occupied residential real estate.
Designed for
Landlords, house-flippers, and investors building rental portfolios.
Why choose it
You get access to the right loan product for your specific investment strategy.
Common use cases
- ◆Long-term rental purchases
- ◆Short-term rentals (Airbnb, Vrbo)
- ◆Multi-unit buildings (2–4 units)
- ◆Portfolio refinancing
Built for borrowers who look like this.
Landlords
Building long-term rental portfolios.
STR operators
Financing vacation rental units.
Small multi-family investors
2–4 unit acquisitions.
Portfolio investors
Scaling beyond conventional financing limits.
The advantages.
Multiple program options
Conventional, DSCR, bank statement, and portfolio loans.
Entity closings
LLCs and other entities often permitted.
Scalability
Programs designed to support portfolio growth.
Cash-out flexibility
Refinance to redeploy capital.
Things to weigh.
Higher down payments
Investment properties typically require larger down payments.
Rate premium
Investment loans price higher than owner-occupied.
Reserve requirements
Post-close reserves commonly required.
Property management
Vacancy and maintenance risk should be modeled.
What lenders generally look for.
Requirements vary based on lender guidelines and borrower qualifications. The below is educational — not a commitment or offer of credit.
- Down payment
- Higher than owner-occupied programs
- Occupancy
- Non-owner-occupied only
- Documentation
- Program-dependent; DSCR, full-doc, or alt-doc options
- Reserves
- Typically required
Answers to what borrowers ask most.
Can I finance an investment property with a conventional loan?
Yes. Conventional financing is widely available for 1–4 unit investment properties.
What's the down payment requirement?
It varies but is typically higher than for a primary residence.
Can I use rental income to qualify?
Yes. Many programs credit rental income; DSCR loans use it exclusively.
Can I close in an LLC?
Yes, especially with DSCR and portfolio programs.
Are short-term rentals financeable?
Yes, particularly through DSCR lenders.
How many properties can I finance?
Depends on the program. DSCR often has no cap.
Are rates higher on investment properties?
Yes, generally.
Can I cash out on an investment property?
Yes, cash-out refinances are common.
Are prepayment penalties common?
On DSCR and portfolio loans, yes.
Can I refinance to remove PMI on an investment property?
Investment loans typically don't use PMI.
Real Estate Investor Financing Guide
Which loan program fits your investment strategy?
Run the numbers.
Educate yourself.
Complementary programs worth exploring.
DSCR
Investor financing that qualifies based on the property's rental income rather than the borrower's personal income.
Explore DSCR loan requirementsBank Statement
A non-QM program that qualifies self-employed borrowers using deposits on personal or business bank statements rather than tax returns.
Explore Bank Statement loan requirementsNo Ratio
A non-QM program that does not calculate a debt-to-income ratio, focusing instead on credit, assets, and property.
Explore No Ratio loan requirementsPrivate Money
Short-term financing from private capital sources, ideal for time-sensitive or non-traditional deals.
Explore Private Money loan requirementsAsk about Investment.
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