.avif)
An Investor Loan is a mortgage designed specifically for real estate investors purchasing or refinancing income-producing properties. Unlike traditional home loans, investor loans focus more on the property’s income potential rather than the borrower’s personal income alone.These loans are commonly used for rental properties such as single-family homes, multi-unit properties, condos, or short-term rentals. Qualification often relies on rental income, lease agreements, or projected cash flow, making them ideal for investors growing a real estate portfolio.
Eligibility:
While requirements vary by lender, most investor loans require:
Ownership or purchase of an income-producing property
Proof of rental income (current leases or market rent analysis)
A solid credit score (typically 620–680+ depending on the program)
A down payment, usually 15–25%
Cash reserves to cover several months of mortgage payments
Experience as a real estate investor may be preferred but not always required
Pros of Investor Loans
Designed specifically for rental and income-producing properties
Can finance multiple properties simultaneously
Rental income may be used to qualify
Fewer restrictions compared to conventional loans
Flexible terms for portfolio expansion
Cons of Investor Loans
Higher interest rates than owner-occupied mortgages
Larger down payment requirements
Stricter reserve requirements
Some loan programs limit property types or number of financed properties
Is an Investor Loan Right for You?
If you’re looking to purchase or refinance rental properties and build long-term wealth through real estate, an Investor Loan offers flexible financing tailored to income-producing assets.
Get a free instant rate quote
Take a first step towards your dream home
Free & non binding
No documents required
No impact on credit score
No hidden costs
.svg)
.svg)
.svg)
