Investment Property Loans:
Finance Your Real Estate Investment
What is an Investment Property Loan?
An Investment Property Loan is a mortgage designed for purchasing rental properties, vacation homes, or other real estate investments. Unlike primary residence loans, these loans have different qualification requirements, including higher down payments and interest rates. They provide investors with the funding needed to generate passive income and build long-term wealth through real estate.
Why Choose an Investment Property Loan?
Finance Rental Properties
Purchase single-family homes, multi-unit properties, or vacation rentals.
Higher Loan Limits
Secure financing for high-value investment properties.
Potential for Passive Income
Earn rental income and build equity over time.
Flexible Loan Terms
Choose from fixed-rate or adjustable-rate mortgage (ARM) options.
Tax Benefits
Mortgage interest and other expenses may be tax-deductible.
Who is Eligible for an Investment Property Loan?
✔️ Real estate investors looking to finance rental properties or vacation homes.
✔️ Borrowers with a strong credit score (typically 680+).
✔️ Individuals with a low debt-to-income ratio (DTI).
✔️ Buyers with a larger down payment (typically 15-25%).
✔️ Investors with sufficient cash reserves to cover mortgage payments.
How an Investment Property Loan Works
1️⃣ Choose an Investment Property – Select a rental, multi-unit, or vacation home.
2️⃣ Get Pre-Approved – Verify financing options and determine eligibility.
3️⃣ Analyze Profitability – Calculate rental income potential and expenses.
4️⃣ Loan Processing & Underwriting – The lender reviews income, assets, and property details.
5️⃣ Close on Your Investment – Secure financing and start generating rental income!
Investment Property Loan vs. PrimaCodery Residence Loan
| Feature | Investment Property Loan | Primary Residence Loan |
|---|---|---|
| Down Payment | 15%-25% | As low as 3% |
| Credit Score | Typically 680+ | 620+ |
| Interest Rate | Slightly higher | Lower rates |
| PMI Required? | No, with 20%+ down | Yes, if <20% down |
| Best For | Rental properties, vacation homes, wealth-building | Owner-occupied homes |
What Our Clients Say
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Start Growing Your Real Estate Portfolio Today!
An Investment Property Loan can help you generate rental income and build long-term wealth. Let our experts guide you through the financing process.
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