Real Estate Investor Financing
Our Investor Purchase Loan Program is designed for real estate investors seeking flexible financing solutions for residential investment properties. Whether you’re acquiring your first rental property or expanding an established portfolio, this program offers competitive financing with alternative qualification options, jumbo loan amounts, and underwriting designed specifically for investment property borrowers.
Investor Purchase Loan Program
This investor financing program provides purchase financing for non-owner-occupied and second home properties with loan amounts from $250,000 to $5,000,000. Qualified borrowers can take advantage of flexible underwriting, jumbo financing, and alternative income documentation while purchasing single-family homes, condominiums, PUDs, and small multifamily properties.
Real Estate Investor Loan: Up to 12 Financed Properties – OK
Experienced investors can qualify even with multiple financed properties. This program allows borrowers to own an unlimited number of real estate properties, provided no more than 10 currently have mortgage liens. It is an excellent financing solution for investors who continue to build and diversify their real estate portfolios beyond conventional lending limitations.
680 Middle Credit Score | 85% Maximum LTV
Borrowers with a minimum 680 middle credit score may qualify for financing up to 85% loan-to-value, subject to program guidelines. Higher down payments, stronger reserves, and additional compensating factors may improve overall loan eligibility and financing options.
No Ratio Income Documentation
This No Ratio Investor Loan Program eliminates the need for traditional debt-to-income calculations, making qualification easier for experienced real estate investors with complex income structures. Rental income may be documented using lease agreements or an appraisal with Form 1007, depending on the transaction and underwriting requirements. Six months of reserves are required for the subject property, along with six months of liquid reserves for each financed property currently owned. Cash-out proceeds may be used to satisfy reserve requirements when permitted by program guidelines.
Jumbo Loan Amounts
- Minimum – $250,000
- Maximum – $5,000,000
Eligible Property Types:
- Single Family Residence
- Non-Warrantable Condo
- 2 Units
- PUD
Eligible Occupancies:
- Non Owner-Occupied
- Second Home
Underwriter Highlight Notes:
In order to utilize rental income, tax returns are required. Lease agreements accepted too. Bankruptcy or Foreclosure 7 years seasoning required. Interested parties Contribution OK for Second Home and Non-Owner Occupied investment property
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wyoming.
Last Updated on 3 weeks ago by Broker Mortgages