Investment Property Loan

Overview

Investment property loans finance non-owner-occupied 1-4 unit properties — single-family rentals, duplexes, triplexes, and fourplexes. Because the borrower doesn't live in the property, pricing is higher than primary or second-home loans and down payments are larger.

Investors have multiple program choices: traditional Conventional and Conforming with full income documentation, DSCR loans qualified on the property's rents, or portfolio products for unique scenarios. Picking the right one depends on your tax returns, your portfolio size, and your timeline.

Who it's for

Investors buying 1-4 unit residential rentals
Owners using existing equity to expand a rental portfolio
Out-of-state investors building portfolios
House hackers transitioning from owner-occupied to rental

What's typically reviewed

Credit profile
Down payment (typically 15-25%+)
Income/asset documentation OR DSCR-style cash-flow qualification
Reserves (often 6+ months per property)
Lease or market rent analysis

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

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