Investment Property Mortgages
Building wealth through real estate requires the right financing partner. We understand the unique needs of property investors and have access to lenders who specialize in investment mortgages.
Benefits
Why choose this option?
Our Process
How it works
Investment Strategy Review
We discuss your investment goals, timeline, and risk tolerance to understand what type of property and financing best suits your strategy.
Financial Analysis
We analyze your current income, assets, and existing properties to determine your borrowing capacity for investment purchases.
Property & Financing Match
We help you understand the financing options for different property types and identify lenders who specialize in investment mortgages.
Application & Approval
We prepare your application with all necessary documentation, including rental income projections, and guide you through to approval.
FAQ
Common Questions
How much down payment do I need for an investment property?
Investment properties typically require a minimum 20-25% down payment. The exact amount depends on the property type, your credit profile, and whether it's a single-family or multi-unit property.
Can I use rental income to qualify?
Yes, lenders typically allow you to use a portion (usually 50-80%) of the expected rental income to help qualify for the mortgage. We'll help you document this properly.
What are the rates like for investment properties?
Investment property rates are typically 0.25-0.50% higher than owner-occupied rates. However, we have access to lenders who specialize in investor lending and offer competitive rates.
Can I use equity from my primary residence?
Yes, many investors use a HELOC or refinance of their primary residence to fund the down payment on investment properties. This can be an effective strategy for building a portfolio.
Ready to get started?
Our team is here to help you every step of the way. Apply online or contact us for a free consultation.