Build Wealth Through Real Estate. One Door at a Time.
Investment property loans are tailored for buyers purchasing real estate for rental income or long-term appreciation. With different guidelines and pricing than primary residences, these loans require strong credit and reserves but offer significant wealth-building potential.
Highlights
Low Down Payment Options
Reserve Assets May Be Required
Maximum Debt-To-Income Ratio up to 45-50%
700 Min Credit Score
Choose Your Path
FAQ
Can I use projected rental income to qualify?
Usually, but not always. It depends on the loan type and scenario. Navigating rental income underwriting guidelines can be complex which is why you want to work with us, true experts who will navigate you every step of the way.
Are down payments higher for investment properties?
Yes, down payments typically start at 15–20%. This is due to how the secondary mortgage market assess risk towards investment properties compared to primary residences.
Can I use an FHA or VA loan for investment properties?
No, those programs are limited to primary residences.
Are mortgage rates higher for investment homes?
Yes, these loans carry more risk, so expect a rate premium over primary residence loans. However, working with a Mortgage Broker like Murray Mortgage Solutions helps ensure you secure as favorable terms as possible.
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Disclaimer: Information provided is for educational purposes only and is subject to change. All loan programs, interest rates, down payment requirements, and terms are subject to credit approval, underwriting guidelines, investor requirements, and may change without notice. Not all applicants will qualify. Restrictions may apply, including but not limited to geographic limitations, property type, and occupancy requirements.