Understanding Investment Property Financing
Learn about the various financing options available for real estate investors. We'll help you understand which loan types might work best for your investment strategy and can connect you with qualified lenders.
Common Investment Property Financing Options
Explore the different types of loans available to real estate investors and learn which might be right for your strategy
Hard Money LoansFast Funding
Asset-based lending for quick acquisitions, fix-and-flips, and time-sensitive opportunities. Funding in as little as 7-14 days.
- • Perfect for fix-and-flip projects
- • Fast approval and funding
- • Asset-based qualification
- • Interest-only payments
DSCR LoansNo Income Verification
Debt Service Coverage Ratio loans qualify based on property cash flow, not personal income. Perfect for rental property investors and portfolio expansion.
- • No personal income verification
- • Qualify based on rental income
- • Long-term financing solution
- • Build unlimited portfolio
Bank Statement Loans
Perfect for self-employed investors and business owners. Qualify using bank statements instead of traditional tax returns and W-2s.
- • 12-24 months bank statements
- • Self-employed friendly
- • Primary & investment properties
- • Competitive rates
Fix & Flip Loans
Specialized financing for house flipping with built-in renovation funds. Draw system releases funds as work is completed.
- • Purchase + renovation funds
- • Draw system for rehab costs
- • No prepayment penalties
- • Fast closing process
Portfolio Loans
Blanket financing for multiple properties or experienced investors with large portfolios. Streamline your financing with one loan across multiple assets.
- • Multiple properties, one loan
- • Lower rates for larger amounts
- • Flexible qualification terms
- • Cross-collateralization options
Bridge Loans
Short-term financing to bridge the gap between property purchase and permanent financing. Ideal for time-sensitive opportunities and transitions.
- • Quick closing capability
- • Temporary financing solution
- • Competitive transition rates
- • Flexible exit strategies
Compare Financing Options
Find the right loan product for your investment strategy
| Loan Type | Speed | Qualification | Best For | Rate Range |
|---|---|---|---|---|
| Hard Money | 7-14 days | Asset-based | Fix & Flip | 8% - 15% |
| DSCR | 21-30 days | Cash Flow | Buy & Hold | 7% - 11% |
| Bank Statement | 30-45 days | Bank Deposits | Self-Employed | 6.5% - 10% |
| Portfolio | 30-60 days | Experience | Large Portfolio | 6% - 9% |
General Requirements
Credit Score
Minimum 620+ for most programs, some as low as 580
Down Payment
20-30% typical, some programs accept as low as 10%
Cash Reserves
2-6 months of mortgage payments in liquid assets
Property Appraisal
Professional appraisal required for loan-to-value calculation
How We Help You Succeed
Trusted Lender Connections
We work with reputable lenders who specialize in investment properties
Educational Resources
Learn about different loan products to make informed decisions
Investment Strategy Guidance
Our team helps match financing options to your investment goals
No Obligation Consultations
Discuss your needs without pressure or commitment
Ready to Explore Your Financing Options?
Let us help you understand which financing options might work for your investment strategy. Share your goals with us, and we'll connect you with qualified lenders who can help make your investment plans a reality.