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Investment Property Loans
Real estate investment loans are loans specifically designed to help investors purchase properties with the intention of generating income. These types of loans are often used by real estate investors who are looking to expand their portfolios or those who are just starting out in the industry.
- What is an Investment Property Loan?
- Which Loan is Right For Your Investment?
- What are the Requirements For Investment Property Loans?
- How to Get an Investment Property Loan?
- Is it Easy to Get a Loan For an Investment Property?
- How Can I Get the Best Loan Rates?
- Can I Get an Investment Property Loan as an LLC?
- Can I Put Less Than 20% Down On an Investment Property?
- Loan Resources
Conventional Loans
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From conventional to non-conventional, we do it all!
- FHA/VA with low down payments
- Lowest interest rates
- Fast closing times
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With a unique underwriting approach, fast turn times, and the best service in the industry, come check out the One Brokerage difference!
- All-digital platform. Apply, upload docs & sign right on your phone.
- Free Refi for life. No lending fee on future refinances.
- 28,000+ 5-star reviews on google, Bankrate, Trustpilot & more.
- Primary, secondary, & investment property loans are available.
- Lower to no down payment options.
- Dedicated advisor---just text, call or email anytime.
- Find the best loan for your situation. we've got you.
- Licensed in 25+ States in all the Best Investment Markets. We will share our Investor Friendly Trusted Resources and insights in the Markets you’re interested in.
- Traditional, Non-Traditional, Private Money we have every option for every strategy. Primary, Second & Investment Property Loans. Purchase & Refinance.
- Complimentary Property Cashflow & Property Value Analysis for Pre-Approval & Refinances
- 1000+ 5 Star Reviews & Many Bigger Pockets Community Clients Served
- Dedicated Investment Loan Advisor Available Anytime- Text, Call or Email
- Lending Partner For Life Program Perks. Complimentary Software to Help you minimize your interest and maximize Equity.
Search Local Lenders
Rental Loans - DSCR
- We are a direct lender funding loans nationwide from our in-house investment fund.
- We finance stable, value-add (fix & flip or BRRRR) and ground up development projects on single-family, townhome, condo, multi-family and mixed-use properties.
- RENTAL LOANS: 30-year fixed rate loan on purchase, refinance and cash out refinances. Up to 80% LTV, 30yr interest only, rates start at 3.75%. Quick Closes. No DTI Requirements. Qualify with FICO and DSCR of the property(s).
- RESIDENTIAL FIX & FLIP + BRRRR LOANS: 90% of purchase, 100% of rehab up to 75% ARV. Rates start at 7.49%. Quick Closes. 12 to 36 month term.
- MULTIFAMILY VALUE-ADD: up to 80% of purchase, 100% of rehab up to 75% ARV. Rates start at 6.99%. Non-Recourse available. Syndicated ownership allowed.
- GROUND UP DEVELOPMENT: up to 90% of total project cost. Rates start at 7.49%.
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LendingOne’s mission is to make the overall process of applying and receiving loans for real estate investors quicker and more reliable by focusing on real estate, technology and superior customer service. Proven to be the most reliable National lender for Fix and Flip and 30 Year Investment Property Financing.
- Offering:
- Rental Loans
- Portfolio Loans
- New Construction Loans
- Multi-family Loans
- Fix and Flip Loans
- Direct Lender for DSCR (1-10 Units) and Hard Money (Rehab+Construction) with a nationwide (46 states) platform
- Best Lender for financing Short Term Rentals – up to 80% LTV, qualify with AirDNA projections (including Refinances)
- Best Lender for financing BRRRRs – close purchase in 2 days, refinance and recoup 100% of your purchase + rehab costs in 3 months
- Easy Qualification – no tax returns, no income verification, no DTI, 1st Time Investors Welcome, FICOs down to 620
- Ultimate Flexibility – We work with you on multiple options for buydowns, interest-only options, flexible prepayment structures and more!
- Best Service – knowledgeable and friendly Loan Specialists respond quickly and love to help – find us on the BiggerPockets forums!
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Ranked #14 in the nation for the 2022 Scotsman Guide rankings.
- Qualify off of "AIRDNA data" as rental income
- 30 or 40 year fixed interest-only options
- 85% LTV for DSCR purchases
- Up to 80% Cash Out on DSCR
- 90% HELOC on investment or secondary properties
- Debt coverage programs as low as 0%
- Creative financing options including asset depletion, cross coll
Hard Money Loans
- Meet a local hard money lender by searching through our directory of members with HML companies!
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At brrrr, our team of lending experts understands the importance of a rockstar lineup, which is why we work around the clock to ensure you get the funding you need, when you need it.
- Fix and Flip Loans up to 90% LTV
- DSCR Loans up to 80% LTV
- No Initial Deposits or Commitments
- 30+ Years of Industry Expertise
- Prompt Responses and Clear Communication
- Dedicated Account Executive and Loan Processor for every property
Airbnb STR Rental Loans
- Direct Lender for DSCR (1-10 Units) and Hard Money (Rehab+Construction) with a nationwide (46 states) platform
- Best Lender for financing Short Term Rentals – up to 80% LTV, qualify with AirDNA projections (including Refinances)
- Best Lender for financing BRRRRs – close purchase in 2 days, refinance and recoup 100% of your purchase + rehab costs in 3 months
- Easy Qualification – no tax returns, no income verification, no DTI, 1st Time Investors Welcome, FICOs down to 620
- Ultimate Flexibility – We work with you on multiple options for buydowns, interest-only options, flexible prepayment structures and more!
- Best Service – knowledgeable and friendly Loan Specialists respond quickly and love to help – find us on the BiggerPockets forums!
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Co-Owned by THE Avery Carl, who literally wrote the book on STRs for BiggerPockets!
- Up to 90% LTV
- Up to 85% LTV DSCR
- We provide exceptional service coupled with our vast knowledge of 1031 exchanges, self-employed income, rental income, and working with the client on understanding how their property will cash flow. The White Label of Investment Lending
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The Mortgage Shop is proving to be the East Coast’s number one stop shop for obtaining a loan on vacation homes, short term rentals, and long term rentals.
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From conventional to non-conventional, we do it all!
- FHA/VA with low down payments
- Lowest interest rates
- Fast closing times
-
With a unique underwriting approach, fast turn times, and the best service in the industry, come check out the One Brokerage difference!
- We are a direct lender funding loans nationwide from our in-house investment fund.
- We finance stable, value-add (fix & flip or BRRRR) and ground up development projects on single-family, townhome, condo, multi-family and mixed-use properties.
- RENTAL LOANS: 30-year fixed rate loan on purchase, refinance and cash out refinances. Up to 80% LTV, 30yr interest only, rates start at 3.75%. Quick Closes. No DTI Requirements. Qualify with FICO and DSCR of the property(s).
- RESIDENTIAL FIX & FLIP + BRRRR LOANS: 90% of purchase, 100% of rehab up to 75% ARV. Rates start at 7.49%. Quick Closes. 12 to 36 month term.
- MULTIFAMILY VALUE-ADD: up to 80% of purchase, 100% of rehab up to 75% ARV. Rates start at 6.99%. Non-Recourse available. Syndicated ownership allowed.
- GROUND UP DEVELOPMENT: up to 90% of total project cost. Rates start at 7.49%.
Commercial Loans 5+ units
- We are a direct lender funding loans nationwide from our in-house investment fund.
- We finance stable, value-add (fix & flip or BRRRR) and ground up development projects on single-family, townhome, condo, multi-family and mixed-use properties.
- RENTAL LOANS: 30-year fixed rate loan on purchase, refinance and cash out refinances. Up to 80% LTV, 30yr interest only, rates start at 3.75%. Quick Closes. No DTI Requirements. Qualify with FICO and DSCR of the property(s).
- RESIDENTIAL FIX & FLIP + BRRRR LOANS: 90% of purchase, 100% of rehab up to 75% ARV. Rates start at 7.49%. Quick Closes. 12 to 36 month term.
- MULTIFAMILY VALUE-ADD: up to 80% of purchase, 100% of rehab up to 75% ARV. Rates start at 6.99%. Non-Recourse available. Syndicated ownership allowed.
- GROUND UP DEVELOPMENT: up to 90% of total project cost. Rates start at 7.49%.
HELOC Home Equity Line of Credit
- All-digital platform. Apply, upload docs & sign right on your phone.
- Free Refi for life. No lending fee on future refinances.
- 28,000+ 5-star reviews on google, Bankrate, Trustpilot & more.
- Primary, secondary, & investment property loans are available.
- Lower to no down payment options.
- Dedicated advisor---just text, call or email anytime.
- Find the best loan for your situation. we've got you.
Private Lending Events
- Use promo code " CAPBP23 " to get a discount of $495
- Captivate Private Lending Conference is coming on August 24-25, 2023 Encore at Wynn, Las Vegas, NV. Use promo code " CAPBP23 " to get a discount of $495
- At the crux of the private lending industry, a single phrase reigns supreme: deal flow. Sometimes elusive, the opportunity to forge new partnerships and foster business relationships is paramount in this space and risky to go without.
- Geraci Conferences’ Captivate is designed to attract attendees who are ready to fund and close their next deals. With the Las Vegas strip as your backdrop, leverage new connections with HNWI, brokers, developers, and service providers to take your company to the next level, and reap the benefits of your new relationships for years down the road.
- Captivate is THE place to turn prospects into business partners and set yourself and your business up for success. Join us and hundreds of industry legends to openly discuss, learn, and network about one of the most important needs in the industry: capital.
- With industry legend-led presentations, countless potential new relationships, guided networking opportunities, and thousands of proved connections from years’ past, this event is one you can’t afford to miss.
Have you worked with these lenders? Write review
What is an Investment Property Loan?
Real estate investment loans typically come with more stringent
requirements than traditional mortgages, as the lender is taking on a higher level of risk. This means that
investors may need to have a higher credit score, a larger down payment, and a lower debt-to-income ratio to
qualify for these types of loans. However, there are some options that are flexible, such as non-QM loans or
DSCR loans,
which are based on the property’s income potential.
Overall, real estate investment loans can be a powerful tool for investors, especially when entering larger
and more complex deals. However, investors should carefully consider the potential risks and benefits of
these loans before deciding whether to pursue them. Working with a knowledgeable lender and real estate
professional can help investors make an informed decision about which loan is right for them.
Which Loan is Right For Your Investment?
There are a lot of different loan types out there so make sure you are armed with the information you need to make the best decision for you and your investment. BiggerPockets has broken down the different loan types for you, if you still have questions be sure to post them into our forums to get advice from other investors.
What are the Requirements For Investment Property Loans?
Conventional loans
The requirements for investment property loans can vary depending on the type of loan and the lender's policies.
Generally, lenders will evaluate a borrower's credit score, debt-to-income ratio, and down payment amount.
A
conventional mortgage
or conventional loan is any type of homebuyer's loan that is not offered or secured by a
government entity, like the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA) or
the USDA Rural Housing Service, but rather available through or guaranteed a private lender (banks, credit unions,
mortgage companies) or the two government-sponsored enterprises, the Federal National Mortgage Association (Fannie Mae)
and the Federal Home Loan Mortgage Corporation (Freddie Mac).
FHA loans
An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans can be used for low-to-moderate-income borrowers who are unable or do not want to make a large down payment. These loans allow the borrower to borrow up to 96.5% of the value of the home (with a credit score of at least 580; otherwise, a 10% down payment is required). The 3.5% down payment requirement can come from a gift or a grant, which makes FHA loans popular with first-time homebuyers.
VA loans
VA loans are designed to help military veterans and active-duty service members buy or refinance a home. To qualify, the borrower must have a Certificate of Eligibility from the VA, meet credit and income requirements, and pay a one-time funding fee. The property being purchased or refinanced must also meet certain VA requirements.
Hard money loans
A hard money loan is a short-term and high-interest loan. Unlike traditional loans, an HML is backed by the value of the real estate and not by the creditworthiness of the borrower. They are funded by private investors or companies as opposed to conventional lenders such as banks or credit unions.
Commercial loans
A commercial loan is a loan for a commercial property. Alternatively, investors may take out a commercial loan on a residential property that already has several other loans. Typically, commercial lenders prioritize the property value over the borrower’s ability to pay back the loan.
Personal loans
Finally, personal loans can be a simple way to secure cash. Typically money is borrowed from a bank, credit union, online lender, or personal lender. The loan is paid back on a short timeline with monthly installments, including interest, or structured based on negotiations in the case of a personal lender.
How to Get an Investment Property Loan?
To get an investment property loan, borrowers typically need to follow
several steps. First, they should evaluate their investment goals and determine how much they can afford to borrow.
Next, they should research different types of loans and lenders to find the best fit for their needs.
Once they have identified a lender and loan program, they will need to submit an application and provide documentation
such as income verification and property details. The lender will then evaluate the application and make a decision
on whether to approve the loan. If approved, the borrower will typically need to complete additional paperwork and
provide a down payment before closing on the loan.
Is it Easy to Get a Loan For an Investment Property?
Getting a loan for an investment property can be more challenging than
getting a loan for a primary residence. Lenders typically have more stringent requirements for investment property loans,
as they are taking on a higher level of risk.
Borrowers will typically need to have a good credit score, a low debt-to-income ratio, and a sizable down payment to
qualify for most investment property loans. However, there are many lenders and loan programs available for investors,
so with some research and preparation, it is possible to obtain a loan for an investment property.
How Can I Get the Best Loan Rates?
To get the best loan rates for an investment property,
borrowers should shop around and compare rates and fees from multiple lenders. They should also work to improve their
credit score and debt-to-income ratio, as these factors can impact the interest rate they are offered.
Borrowers may also be able to negotiate with lenders to get better rates, especially if they have a strong credit
history and substantial down payment.
Can I Get an Investment Property Loan as an LLC?
Yes, it is possible to get an investment property loan as an
LLC (limited liability company). In fact, many investors choose to purchase properties through an LLC to protect
their personal assets from liability.
However, lenders may have additional requirements for LLCs, such as providing financial statements and
proof of business registration. The interest rates and terms for an LLC loan may also differ from those for an
individual borrower.
Can I Put Less Than 20% Down On an Investment Property?
While a 20% down payment is often recommended for investment property loans, it is possible to put down less than 20%. Some lenders may offer loans with a lower down payment requirement, but these loans may come with higher interest rates or mortgage insurance premiums. Borrowers should carefully evaluate their options and consider the long-term costs of a lower down payment before making a decision.
Loan Resources
Access more resources to better understand your options for investment loans.
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The ultimate beginner's guide to home loans
Taking out a mortgage may be nerve-racking for a first-time buyer—and for good reason. Home loans represent a big commitment. But mortgages are also the simplest, most realistic way for the vast majority of people to buy a home. And if you choose correctly, your loan can be an affordable path to owning a home or investment property. Explore your lending options—including 15 vs. 30-year fixed-rate loans, adjustable-rate loans, and government-backed loans—to make your best, most informed decision here. Read guide
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The guide for choosing the right loan
Are you someone who wants to buy investment property, but you just can’t figure out how to finance your first buy? If so, this article is written for you. Learn about seven different ways to finance your first property. Before that, I’ll also share ideas to make sure this first purchase fits into your overall wealth building strategy so that you don’t waste time going down the wrong paths. Read guide
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Additional Loan Resources