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Investment Property Loans

Investment Property Loans That Fit How You Invest

Every investor is different. Some want to qualify based on a property’s rental income instead of a paycheck. Some already own a portfolio and need financing that keeps up. Some just want the lowest rate on a straightforward purchase. Whatever your situation, we’ve got a loan program built for it.

New: 90% Financing, Zero Mortgage Insurance

Agency Investor Plus gives real estate investors more room to grow. Finance up to 90% of a rental property’s price, and skip mortgage insurance completely, even above 80% loan-to-value, or LTV (that’s how much you’re borrowing compared to what the home is worth).

Conventional investor financing typically caps out lower and adds mortgage insurance once you cross that 80% mark. Agency Investor Plus doesn’t.

  • Up to 90% financing on single rental properties
  • Up to 85% on 2-4 unit properties
  • No mortgage insurance, ever, no matter the LTV
  • Loan amounts up to $2 million
  • Close in an LLC
  • Own a lot of rentals already? This program allows up to 50 financed properties

 

DSCR Loans: Qualify Based on the Property, Not Your Paycheck

DSCR stands for debt service coverage ratio, which is really just asking one question: does the property’s rental income cover the mortgage payment? If yes, you’re in business. No tax returns, no income documentation, no explaining why your write-offs make your income look smaller than it actually is.

Good for investors who’d rather not hand over tax returns, self-employed investors, and anyone whose personal income doesn’t reflect their real cash flow.

Traditional Investment Property Loans

If your income and debt-to-income ratio (how much you owe compared to what you earn) qualify you the standard way, this is usually your lowest-rate option.

Good for borrowers with straightforward, documented income who meet standard guidelines.

Bank Statement Loans for Self-Employed Investors

Self-employed? Your tax returns might not tell the real story. Bank statement loans let us qualify you using your actual bank deposits instead of a tax return.

Tap the Equity in Your Rental with a HELOC

A home equity line of credit, or HELOC, isn’t just for your primary home. If you’ve built up equity in a rental property, a HELOC lets you put it to work, whether that’s a renovation, your next down payment, paying off higher-interest debt, or just having cash on hand.

We can qualify you a few different ways: full income documentation for the most competitive rate, DSCR based on the property’s rental income, or bank statements if you’re self-employed.

What We Finance

Single-family rentals, 2-4 unit buildings, condos, PUDs, vacation rentals, small multifamily properties, rural properties, leaseholds, and eligible manufactured homes.

Purchase, Refinance, or Cash-Out

Buying your next property, refinancing one you already own, or pulling out cash for your next deal, we can help with any of it.

Get Your Free Quote

Investment Loan FAQs

  • What’s LTV and why does it matter?

    LTV stands for loan-to-value. It’s how much you’re borrowing compared to what the property is worth. A lower LTV means a bigger down payment; a higher LTV means you’re borrowing more. Agency Investor Plus lets you go up to 90% LTV without paying for mortgage insurance, which most investment loans don’t offer.

  • What’s a DSCR loan, and how is it different from a traditional loan?

    DSCR stands for debt service coverage ratio. Instead of looking at your personal income, we look at whether the property’s rental income covers the mortgage payment. If it does, you qualify, no tax returns needed. A traditional investment property loan looks at your personal income and debt instead, and it’s often the lower-rate option if your income qualifies you that way.

  • Do I need tax returns to get an investment property loan?

    Not always. If your tax returns don’t reflect your true income, whether that’s because you’re self-employed or your write-offs make your income look smaller than it is, a DSCR loan or bank statement loan can qualify you a different way, using rental income or bank deposits instead.

  • Can I close in an LLC?

    Yes, with Agency Investor Plus. The loan doesn’t have to be in your personal name, which matters if you hold title through an LLC.

  • Is there a limit on how many properties I can finance?

    With Agency Investor Plus, you can have up to 50 financed properties, well beyond what most lenders allow.

  • Do I have to pay mortgage insurance?

    Not with Agency Investor Plus, even if you finance above 80% of the property’s value. Most other investment property programs require mortgage insurance once you cross that 80% mark.

  • Can I use these loans for a vacation rental or small multifamily property?

    Yes. Our investment property programs cover single-family rentals, vacation rentals, small multifamily properties, 2-4 unit buildings, condos, PUDs, rural properties, and more.

  • What if I already own the property and just want to refinance?

    That works too. These programs cover purchases, rate-and-term refinances, and cash-out refinances, so whether you’re buying or you already own the property, we can help.

  • Can I get a HELOC on a rental property?

    Yes. A home equity line of credit isn’t just for a primary residence. You can use one to tap the equity in an investment property for a renovation, another down payment, or just some extra flexibility.

  • What’s the fastest way to know which program fits me?

    Reply to one of our emails, call your loan officer, or fill out the quote form on this page. We’ll ask a few quick questions and walk you through which option makes the most sense for your situation.