Investor Loan

A residential investment loan provides financing that allows the borrower to purchase or refinance a residential non-owner-occupied property.

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Investor Loan

A residential investment loan provides financing that allows the borrower to purchase or refinance a residential non-owner-occupied property, which means that the borrower will not occupy the property. Instead, the property is used to generate income, usually by renting out the property, or by fixing and flipping it.

To qualify for a residential investment loan, the subject property must have 4 units or fewer (quadplexes, triplexes, duplexes, and single-family residences).  A property with 5 or more units is considered a commercial property and will require a commercial real estate loan instead. (If you need a commercial loan, you should consider these creative commercial real estate loans with flexible requirements.)

Here are the traditional residential property types eligible for these types of loans:

  • Single-family residences
  • 2-4 units (duplexes, triplexes, quadplexes)
  • Condominiums (warrantable)
  • Townhomes
  • Planned urban developments (PUDs)

There are also creative loan programs that cover non-traditional property types, including:

  • Non-warrantable condominiums
  • Co-ops
  • Short-term rental properties (e.g., condotels or condo-hotels, Airbnb, Vrbo, etc.)

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Loan request for…

Purchase or Refinance Residential Property

Purchase or Refinance Commercial Property

Business Lending

Pre-Qualification

Pre-Qualification will provide you with an initial quote with the following information:

  • Loan amount
  • Type of loan program
  • Loan to value (LTV)
  • Interest rate
  • Processing times.

 

Note: Pre-Qualification will NOT require credit to be obtained.

Loan Application

Please click on the Proceed bottom below to complete the Loan Application and create your account to monitor the loan process application.

Note: This process REQUIRES credit to be obtained.

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