Home Loans in 48 StatesARBOR Financial Group · NMLS #236669
Real Estate Investor Loan
Investment property financing is a mortgage for buying rental homes, multi unit properties, short term rentals and vacation homes that earn income or grow in value. With competitive rates, flexible loan structures and financing tailored to investors, it can help you expand your portfolio and build wealth through real estate.
About 3 minutes. Comparing options won't affect your credit score.
Call today: 866-521-6488NMLS #236669 · Equal Housing Opportunity · NMLS Consumer Access
15 to 25%
Typical down payment range
620 to 680
Common minimum credit score range
DSCR
Loan option for real estate investors
Investor Basics
Investment property financing provides mortgage options for buyers purchasing rental properties, vacation homes or multifamily units. These loans are designed for real estate investors who earn income through rent or property appreciation. They can finance single family homes, condos, townhomes and multi unit properties, and some programs also cover short term rentals, depending on lender guidelines.
Real estate investors, landlords and buyers planning long term rentals, short term vacation rentals or multi unit properties can all benefit. Whether you are buying your first rental property or adding to a growing portfolio, these loans offer flexible financing, including options for investors who plan to flip homes for profit.
Investment property loans have stricter qualification requirements than primary residence mortgages, including higher credit scores, larger down payments and proof of rental income potential. Lenders review your debt to income ratio, the property's cash flow and your experience as an investor. Most also expect cash reserves equal to several months of mortgage payments.
Options include conventional investment loans, debt service coverage ratio (DSCR) loans, Non QM loans, portfolio loans, hard money loans and commercial real estate loans. You can choose a fixed rate or adjustable rate mortgage depending on your strategy, and we work with a wide range of lenders so you can compare these options side by side.
Investment property financing supports long term wealth building by letting you earn rental income, benefit from property appreciation and diversify your portfolio. These loans can offer higher borrowing limits, financing for multiple properties and loan structures customized for investors, so your financing can keep pace as your portfolio grows.
If you want to expand your real estate portfolio, earn rental income or flip homes for profit, an investment property loan may be the right fit. Getting preapproved first shows your purchasing power and strengthens your offers. An ARBOR loan originator can help you choose the best loan structure for your investment goals.
Why ARBOR
We specialize in investment property financing and work with a wide range of lenders offering conventional, DSCR, Non QM and portfolio loan options. Whether you are buying your first rental property or expanding your real estate portfolio, we tailor the loan to your goals.
From prequalification to closing, our mortgage professionals guide you through every step. We understand the challenges investors face and offer competitive rates and flexible terms to keep your real estate investments moving forward.
Ready to grow your portfolio? Talk with ARBOR about investment property financing today.
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Talk with a licensed ARBOR loan originator
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FAQ
Answers to common questions about investment property loans, including down payments, credit scores, rental income, cash reserves and refinancing.
Still have questions?
Talk with a licensed ARBOR loan originator about financing your next investment property.
866-521-6488[email protected]Browse all mortgage FAQsMost investment property loans require a down payment of 15% to 25%, depending on the property type, loan program and your qualifications. A larger down payment can improve your approval chances and may help you secure a better interest rate.
Yes. Investment property loans typically have higher interest rates than primary residence mortgages because lenders consider them higher risk. Your rate will depend on your credit score, loan amount, property type and market conditions.
Most lenders require a minimum credit score of around 620 to 680 for investment property financing. A stronger score may help you qualify for better loan terms and a lower interest rate.
Yes. Many lenders let you use projected or existing rental income from the property to help you qualify. The income is typically verified through lease agreements, rental history or an appraisal that estimates market rent.
Investment property loans can finance single family homes, condominiums, townhomes and multi unit properties. Some programs also allow financing for short term rental properties, depending on lender guidelines, so the property you choose can shape which loan fits best.
Many lenders allow you to finance multiple investment properties, although guidelines may limit the number of financed properties depending on the loan program and your qualifications. We can review your current properties and goals to find a program that fits your next purchase.
Yes. You can refinance an investment property to reduce your interest rate, adjust your loan term or access equity through a cash out refinance. Lenders will evaluate your credit, income, property value and rental income when reviewing the application.
Yes. Most lenders require cash reserves equal to several months of mortgage payments when you finance an investment property. Reserves show financial stability and your ability to cover payments if rental income changes.
Yes. Getting preapproved shows your purchasing power and strengthens your offer when you are competing for a property. It also lets your lender review your financial profile and recommend the investment property loan options that suit you best.
*Important notice: By refinancing your existing loan, your total finance charges may be higher over the life of the loan. The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. ARBOR Financial Group is not affiliated with an agency of the federal government, HUD or FHA. THIS IS NOT A GOVERNMENT DOCUMENT. HUD or FHA did not distribute or approve this material.
