What is an investment property loan?
An investment property loan finances a home you intend to rent out or hold for income, rather than live in yourself. Because lenders see rentals as higher risk than a primary residence, guidelines and down payment expectations are usually stricter. Done right, it's how you build a portfolio. I'll help you structure financing that fits your strategy.
How much down payment do investment properties require?
Investment properties typically require more down than a primary residence, since they carry more risk for the lender. The exact amount depends on the loan program, your credit, and the property type. I won't quote a one-size number here. Send me your scenario and I'll show you realistic down payment and reserve expectations for your deal.
Can rental income help me qualify?
Often, yes. Many programs let you use projected or actual rental income to help you qualify, within their guidelines. How much counts and how it's documented varies by lender and property. As your loan officer, I match your deal to a lender whose rules work in your favor. I'll explain exactly how your rental income factors in.
How do you structure financing for investors?
I start with your goals: one rental or a growing portfolio. Then I look at your credit, reserves, the property, and how rental income fits, and I shop the right lenders for your strategy. The aim is financing that supports your next purchase, not just this one. Let's map out a plan that keeps you moving forward.