Investment property loans are home loans specifically designed for people who want to buy real estate but don’t intend to live in it.
All loan programs are intended for business or investment purposes only unless otherwise specified.
Investment property loans generally purchase rental properties or other income-producing assets, such as commercial retail space or apartment buildings.
They tend to have higher interest rates than conventional home loans because Fannie Mae or Freddie Mac doesn’t back them. This means that the borrower has more risk and can’t get as low of an interest rate as someone with more stable employment history and credit profile.
3–36 months (interest-only options available)
Up to 70–85% ARV
Typically 1–4 points
Standard third-party fees apply
Typically range from 8.99% – 16.99% depending on the loan scenario
All terms vary based on borrower qualifications, property type, and market conditions
Rates, terms, and fees vary based on borrower qualifications, property type, and market conditions. Loan terms may include interest-only payments, origination fees, closing costs, and third-party fees. Business-purpose loans only.
