Investment Property Loans
Investment property loans are specifically designed for purchasing residential real estate that will be rented out or flipped for profit, rather than used as a primary residence. These loans offer options for both long-term rental property investors and short-term real estate flippers, with specialized programs that consider rental income, property potential, and investor experience.
Why Choose Investment Property Loans?
Discover the advantages that make Investment Property loans a great choice for Texas homebuyers.
Financing for 1-4 unit residential investment properties
Options for both long-term rental properties and fix-and-flip projects
Rental income can be used to qualify for the loan
Portfolio loans available for investors with multiple properties
Cash-out refinance options to access equity in existing investment properties
Specialized programs for experienced investors
Conventional, portfolio, and private money options available
Eligibility Requirements
See if you qualify for a Investment Property loan with these requirements.
Credit & Financial Requirements
- Minimum credit score typically 680+ (higher scores for better rates)
- Larger down payments required (typically 15-25%)
- Cash reserves after closing (typically 6+ months of payments)
- Strong debt-to-income ratio, typically 45% or lower
- Experience may be considered for specialized investor programs
Property & Income Requirements
- Property must meet standard appraisal requirements
- Rental income from the subject property can often be used to qualify
- Demonstrated rental management experience may be required for multiple properties
- Property must show potential for positive cash flow for rental loans
- Exit strategy required for fix-and-flip loans
Investor Experience
- First-time investors may face stricter requirements
- Previous rental property management experience preferred
- Documented success with previous investments may qualify for specialized programs
- Business plan often required for fix-and-flip loans
- Portfolio investors may qualify for simplified processing with established lender relationships
Your Path to Homeownership
We'll guide you through every step of the Investment Property loan process.
Investment Strategy Assessment
Meet with our investment property specialists to discuss your investment goals, experience, and the best loan program for your strategy.
Pre-Approval
Complete the pre-approval process to understand your borrowing power for investment properties and strengthen offers in competitive markets.
Property Analysis
Evaluate potential investment properties for cash flow potential, appreciation prospects, and renovation costs if applicable.
Application and Documentation
Submit your application with comprehensive documentation, including property analysis, rental income projections, and renovation plans if relevant.
Property Appraisal
For rental properties, appraisals may include rental income analysis. For fix-and-flip properties, both current value and after-repair value may be assessed.
Underwriting and Approval
Our specialized investment property underwriters review your application with consideration for both your financial profile and the property's investment potential.
Closing
After final approval, you'll attend closing to sign documents, pay closing costs, and receive the keys to your investment property.
Investment Strategy Assessment
Meet with our investment property specialists to discuss your investment goals, experience, and the best loan program for your strategy.
Pre-Approval
Complete the pre-approval process to understand your borrowing power for investment properties and strengthen offers in competitive markets.
Property Analysis
Evaluate potential investment properties for cash flow potential, appreciation prospects, and renovation costs if applicable.
Application and Documentation
Submit your application with comprehensive documentation, including property analysis, rental income projections, and renovation plans if relevant.
Property Appraisal
For rental properties, appraisals may include rental income analysis. For fix-and-flip properties, both current value and after-repair value may be assessed.
Underwriting and Approval
Our specialized investment property underwriters review your application with consideration for both your financial profile and the property's investment potential.
Closing
After final approval, you'll attend closing to sign documents, pay closing costs, and receive the keys to your investment property.
Frequently Asked Questions
Get answers to common questions about Investment Property loans.
Investment property loans typically have interest rates 0.5% to 0.75% higher than rates for primary residences due to the increased risk. Additionally, points and fees may be higher. Your credit score, down payment amount, property type, and investment experience all impact your rate.
Ready to Get Started?
Our Investment Property loan specialists are here to help you every step of the way. Start your pre-approval online.
Real clients. Real closings.
What borrowers say about working with Dustin. Every review is five stars.
★★★★★
“As a first-time home buyer, Dustin was super helpful and very good at explaining the answers to all of my questions. He took my calls and texts at any time of day. Even on closing day he showed up and made me feel calm and assured as we signed.”
Michael R.
Purchase · closed April 2026 · Client review
★★★★★
“We had an excellent experience during our refinance. The entire process was smooth, efficient, and incredibly fast. Everything was explained clearly and communication was great. Dustin and his team truly made refinancing stress-free.”
Jacqueline C.
Refinance · closed January 2026 · Client review
★★★★★
“We want to thank Dustin for going out of his way at all times. Every question we had, he answered and broke down so we had a better understanding. Thank you for all your hard work and for helping us reach our goal of becoming homeowners.”
Vicente R.
Purchase · closed March 2026 · Client review
★★★★★
“Dustin was great to work with — very available, attentive, knowledgeable, professional, and he got things wrapped up in a timely manner. I would highly recommend Dustin for your loan needs. Thanks, Dustin!”
Dawn G.
Purchase · closed February 2026 · Client review