Investment Property Loans at a Glance
Real estate investing has a storied history of building wealth for people. You can realize current revenue streams while increasing your retirement asset portfolio.
The Mortgage Hub offers a wide variety of products for residential investment properties.
- Conventional, Jumbo, and Non-QM
- Non-QM loans
- Income options include W-2, bank statement, asset only, or DSCR (use rental income vs loan payment instead of income)
Loan products are generally the same as financing a primary residence, but with a little difference in loan-to-value ratio and interest rate due to the increased risk of investment property loans.
Eligibility and Qualifications
While eligibility and qualification differs slightly based on the specific type of investment loan, you’ll generally need to meet the following criteria:
- 620 minimum credit score
- 49% debt-to-income ratio
- 6 months of mortgage reserve funds
- Minimum down payment of 15% for single unit properties and 25% for two to four-unit properties
It’s also worth noting that you may use future and Accessory Dwelling Unit (ADU) rental income to meet income qualification requirements.
We’re here to help. So if you’re not sure if this type of loan is right for you, call us at (888) 273-8734 or schedule a free consultation.
