Loan program
Investment Property Loans
Investment property financing supports homes that will not be used as a primary residence. Underwriting often places greater emphasis on reserves, down payment, and rental income documentation where applicable.
Who may consider it
- Buyers of rental or investment properties
- Homeowners refinancing an investment property
- Borrowers expanding a residential portfolio
Potential advantages
- Supports non-owner-occupied residential financing
- May allow consideration of rental income in certain cases
- Available across select conventional and other structures
Important considerations
- Down-payment and reserve requirements are often higher
- Rates and terms may differ from primary residence loans
- Property cash flow and marketability matter
General qualification factors
- Credit profile
- Equity contribution
- Cash reserves
- Income documentation
- Property type and appraisal
These are general factors, not a personalized determination of eligibility or approval.
Process
How this pathway typically unfolds.
- 01Clarify investment goals and hold strategy
- 02Review financing structures and reserves
- 03Complete application and property review
- 04Satisfy underwriting conditions
- 05Close and transition to ownership
FAQ
Investment questions.
In some scenarios, yes. Whether rental income can be used depends on documentation, property status, and underwriting guidelines.
Explore Investment with clearer next steps.
Start a pre-approval conversation or ask a loan expert how this program may relate to your goals.