Investment Property Loans

Finance the Property. Build the Portfolio.

Whether you're buying your first rental or adding another property to your portfolio, the financing should support the investment—not work against it. Start by understanding your buying power, cash requirements and financing options before you make the offer.

Review My Investment Options Ask Brittany a Question

Financing options vary based on the borrower, property and overall loan scenario.

Property Analysis

Investment Snapshot

Analyzing

Rental Property

Single-Family Investment

Purchase Scenario • Long-Term Rental

Purchase

$—

Based on your scenario

Est. Rent

$—

Property dependent

Cash Flow

Review

Run the full numbers

Property Performance

Scenario

Deal Strength

Analyze

the deal

Financing Strategy

Structure the loan around the investment.

Better Decisions

Property + Financing + Numbers

Investment Financing

Investment Financing Works Differently.

Buying a rental property is not the same financing decision as buying a primary residence. The lender may look at your overall financial profile, available cash, the property itself and the structure of the investment. The goal is to make sure the financing fits the deal.

Think Beyond the Payment

You're Not Just Financing a Home. You're Financing an Asset.

That means the conversation can go beyond the monthly mortgage. Cash requirements, reserves, rental strategy and the property's economics can all matter when evaluating the purchase.

Borrower

Property

Strategy

Cash Requirements

Investment-property financing may require a different cash position than financing a home you plan to occupy yourself.

Financial Profile

Credit, income, current debts, existing mortgages and overall financial strength can influence available financing options.

The Property

Property type, intended use and other characteristics can affect which investment financing paths may be available.

The Investment Plan

A long-term rental, short-term rental or portfolio purchase can create different considerations when structuring financing.

Start With the Whole Picture

The Best Loan Structure Depends on the Investment.

Before you focus on one loan product, review the borrower, property and investment plan together so the financing strategy supports what you're trying to accomplish.

Review My Options

The Financing Review

What Lenders Look At.

Investment-property financing is rarely about one number. Lenders can evaluate several parts of the transaction to understand the borrower, the property and the overall risk of the loan. Knowing what may be reviewed before you make an offer can help you prepare more strategically.

Investor Mindset

Prepare Before the Property Shows Up.

If you're actively looking for an investment, reviewing your financing position early can help you understand what may be realistic before the right opportunity hits the market.

Investment Loan Review

The Bigger Financial Picture

6 Factors

Down Payment

Available cash and the amount invested into the purchase can affect the financing structure.

Cash Position

Credit & Financial Profile

Credit history, qualifying income, debts and other obligations can be part of the overall review.

Borrower

Cash Reserves

Depending on the financing scenario, lenders may review assets available beyond the funds needed for closing.

Liquidity

Property Type

The type of property and how you intend to use it can influence which financing options may fit.

Property

Rental & Qualifying Income

Depending on the loan program and scenario, eligible rental income may be considered as part of qualification.

Income

Existing Properties

Current mortgages and other financed properties may also factor into the overall investment financing review.

Portfolio

Your Scenario Is Unique

Requirements can vary by loan program, lender, borrower and property. Review the full scenario before assuming what you will or will not qualify for.

Review My Buying Power

Property Types

Different Properties. Different Strategies.

The property you're buying—and how you intend to use it—can influence the financing conversation. A good starting point is understanding the investment first, then determining which financing structure may fit it.

01 / Long-Term Rental

Single-Family Rentals

A single-family property purchased to rent can be a straightforward way to enter real estate investing or add another property to an existing portfolio. The financing should be reviewed alongside your cash position, expected rental strategy and long-term goals.

Use

Non-owner occupied

Strategy

Rental income

Goal

Long-term ownership

02 / Multi-Unit

2–4 Unit Properties

Small multifamily properties can create multiple rental units under one purchase, with financing considerations based on the property and overall scenario.

03 / Short-Term

Short-Term Rentals

Properties intended for short-term rental use may require a different financing conversation depending on the borrower, property and available loan program.

04 / Portfolio

Additional Rentals

Investors adding properties to an existing portfolio may need to consider current mortgages, available reserves and the broader financing strategy.

An Important Distinction

Second Home and Investment Property Are Not the Same Thing.

How you intend to occupy and use the property matters. Be clear about your plans from the beginning so the property can be reviewed under the appropriate financing requirements.

Discuss My Property

Investment Calculator

Run the Numbers Before You Buy.

Plug in a property you're considering and see how the financing, expected rent and estimated ownership expenses work together. The goal is to look beyond the mortgage payment and evaluate the complete investment scenario.

Interactive Deal Analysis

Investment Property Worksheet

Updates Live

Property Scenario

Enter Your Numbers

Example values are loaded below. Replace them with the property and financing scenario you want to evaluate.

Purchase & Financing

Purchase Price

Down Payment

Interest Rate

Loan Term

Rental Income

Monthly Rent

Vacancy Allowance

Property Expenses

Annual Property Taxes

Annual Insurance

Monthly HOA

Monthly Maintenance Reserve

Property Management

Upfront Investment

Estimated Closing Costs

Initial Repairs / Improvements

Estimated Scenario

Deal Snapshot

Results change automatically as you adjust the inputs.

Estimated Monthly Cash Flow

Review Scenario

Estimated effective monthly rent minus the estimated mortgage payment and property expenses entered into this calculator.

Estimated Loan Amount

Purchase price less the entered down payment.

Principal & Interest

Estimated monthly principal and interest only.

Effective Monthly Rent

Entered rent adjusted by the vacancy allowance.

Cash-on-Cash Estimate

0.0%

Annual estimated cash flow divided by estimated cash invested.

Estimated Cash Invested

Down payment + entered closing costs + initial repairs.

Total Monthly Expenses

Financing and operating expenses included below.

Monthly Cost Breakdown

Estimated

Principal & Interest

Property Taxes

Insurance

HOA / Community Fees

Maintenance Reserve

Property Management

Effective Rent

$0 / mo

−

Estimated Expenses

$0 / mo

Estimated Cash Flow

$0 / mo

This calculator is provided for general educational and illustrative purposes only and is not a loan estimate, approval, investment recommendation or guarantee of financial performance. Actual interest rates, payments, taxes, insurance, rental income, vacancy, management expenses, maintenance costs, closing costs, loan terms and qualification requirements may vary. Principal-and-interest calculations do not include every possible loan or property expense. Consult the appropriate mortgage, tax, insurance, real estate and financial professionals when evaluating an actual investment property.

Found a Property?

Now Let's Look at the Financing Behind the Numbers.

The calculator can help you model the property. Brittany can help you review the financing options that may be available for your actual investment scenario.

Review My Financing

Investment Financing Strategy

Don't Just Find a Loan. Build a Financing Strategy.

Investment financing should support what you're trying to do with the property. Brittany can help you review the borrower, the property and the numbers together so you're not choosing a financing structure based on one factor alone. The goal is to understand how the loan fits the investment.

Review Your Buying Position

Start with your credit, income, current obligations, available cash and overall investment goals.

Review the Property

Look at the property type, intended use and the financing considerations that may apply to the specific purchase.

Compare the Financing

Review the available loan structures in the context of your cash position, payment and investment strategy.

Make the Decision With Context

Understand how the financing fits into the broader deal before you move forward with the purchase.

Review My Investment Options Ask Brittany a Question

Investment Review

Structure the Financing Around the Deal.

A strong financing conversation looks at more than the interest rate. It looks at how the complete purchase works.

Cash Position

Review down payment, reserves and available funds.

Review

Property

Review the type, use and characteristics of the purchase.

Review

Deal Numbers

Look at payment, expenses and the property's overall economics.

Compare

Loan Structure

Compare financing options against the investment strategy.

Structure

Borrower

Property

Financing

Your Mortgage Guide

Brittany Thompson

Loan Officer
NMLS #2110106

Your Next Investment

The Property Is Only Part of the Investment. Let's Get the Financing Right.

Whether you're considering your first rental or adding another property to your portfolio, start by understanding how the financing fits the deal. Brittany can help you review your options and build a financing strategy around your actual purchase.

Review My Investment Options Ask Brittany a Question

Review Your Scenario

Start with your goals, buying position and available cash.

Compare Financing Options

Look at the available financing in the context of the purchase.

Move Forward With a Plan

Understand the financing before making the investment decision.

Investment property financing is subject to borrower, property, occupancy, underwriting, lender and applicable loan-program requirements. Pre-approval is not a commitment to lend or final loan approval. Investment performance and rental income are not guaranteed.