Investment Loan

Finance your next real estate investment property with an investment loan allowing you to build wealth through real estate and expand your portfolio.

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What Is an Investment Loan?

Whether you’re purchasing a new rental home or refinancing an existing one, we offer financing options designed to help investors grow their real estate portfolios, access built-up equity, or improve cash flow. With an investment property loan, you can own and finance multiple properties, giving you the flexibility to scale your investments.

Investment Property Loan Requirements

Here’s what you should know before getting pre-approved for an investment property loan.

Loan amounts up to $2.5 million for purchases or rate-and-term refinances
Loan amounts up to $2 million for cash-out refinances
Typically requires proof of employment, income, and assets
Standard debt-to-income (DTI) calculations apply
Minimum credit score requirements apply (often 680+)
Down payments typically range from 20% to 25%
Single-family, condos, and 1-4 unit properties allowed

Loans for Investment Properties

We offer flexible loan programs to help you finance rental properties with confidence.

30-Year Loan

Lock in a stable, affordable monthly payment over a 30-year term.

15-Year Loan

Pay off your mortgage faster with higher monthly payments and less interest over the life of the loan.

Get Pre-Qualified

Unsure which program fits your investment strategy? We can help you get pre-qualified and find the best financing option for your goals.

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Planning Ahead

Once you’re pre-approved, planning is key to a successful investment.

Personalize Finances

Organize your finances early. Investment property loans generally require larger down payments and financial reserves compared to primary home loans.

Credit Score

A higher credit score — typically 740 or above — can help you qualify for better rates and terms.

Cash Reserves

Be prepared to show 6–12 months of cash reserves, especially if you plan to finance multiple properties.

Basics of Real Estate Investing

Calculate Cash Flow and Return on Investment

Understand the property’s potential by estimating monthly cash flow (rental income minus expenses) and calculating your return on investment (ROI).

Operating
Expenses

Use the “50% rule” as a quick estimate — assume operating expenses will consume about half of your rental income.

Choosing a Profitable Property

Focus on neighborhoods with strong demand: good schools, low crime rates, robust job markets, and favorable property taxes.

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How to Buy an
Investment Property

Learn the essential steps to purchasing an investment property and successfully managing it, from financing options to property management tips.

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Investment Loan FAQ

What type of loan is best for an investment property?

The right loan depends on your financial situation and goals. Conventional loans are common, but portfolio loans or government-backed options may fit certain strategies. We can help you explore your choices.

What is a home equity investment loan?

A home equity loan or HELOC lets you borrow against your existing property’s equity to fund the purchase of an investment property — offering flexibility for experienced investors.

What is the difference between a traditional loan and an investment loan?

Traditional loans are for primary residences and often offer lower rates and down payment requirements. Investment property loans are designed for income-producing properties and come with stricter criteria.

How do I get a loan for an investment property?

Review your credit, savings, and income. Then, work with us to get pre-qualified. We’ll help you through documentation requirements and match you with the right program to meet your investment goals.

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.

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