Investor Property Loans

Investor property loans are loans used to acquire or refinance investment real estate. Investment properties are commercial real estate properties which are rented to others and usually generate positive cash flow for their owners. 

Investor property loans include:

DSCR (Debt Service Coverage Ratio) Loans - enable real estate investors to qualify based on rental income generated rather than personal income. These loans are ideal for self-employed investors, investors with multiple mortgaged rental properties, and investors looking to grow their portfolios.

Apartment building loans - apartment properties are a great way for small and large investors to invest in commercial real estate. In today’s economy, many people are choosing to rent rather than purchase a home. The market for apartment building purchases is very strong and many investors are choosing to buy apartment buildings as investments. 

Commercial mortgage loans - other common types of investment property loans are loans used to acquire or refinance office buildings, retail properties, warehouse and industrial properties and many other types of income producing properties. Many of these properties contain multiple tenants while others might be single tenant properties. Some examples might include a supermarket anchored retail shopping center, a suburban office property, or a single tenant chain drugstore. Regardless of the type, these properties often yield returns that are higher than other current investments. 

Portfolios of single family homes – some investors choose to own many single-family homes for rental purposes. These investors often find that residential lenders have a maximum number of home loans that they will approve for one borrower. We are able to make one commercial mortgage covering an entire portfolio of these properties.  This type of investment mortgage allows an investor to obtain additional cash to acquire more investment properties.

Two to four unit rental homes – many home lenders will not lend on 2-4 unit rental homes that are owned by a partnership, corporation, LLC or trust. We will consider these rental properties for a commercial mortgage and will aggressively lend nationwide on these investment properties.

Home Equity Line of Credit (HELOC) - is a second mortgage that is secured against a home that gives access to its equity that has built up over time. 

At Investment One, we specialize in investment property loans. We offer excellent long term rates and common sense underwriting. Our application process is simple, we do not charge any up front origination fees, and we typically offer pre-approvals within 1 to 2 business days.

If you are looking to invest in commercial real estate or purchase an investment property, and are looking for financing, we look forward to speaking with you.

For a more personalized service, give one of our mortgage specialists a call
(833) 888-0122 to discuss your options or to apply.  We are committed to find the best mortgage for your needs.