Investment Property Financing

Investment Property Financing provides mortgage options for real estate investors looking to purchase, refinance, or renovate rental properties, multi-unit buildings, or fix-and-flip homes. Unlike primary residence loans, investment property loans have different qualification criteria, down payment requirements, and loan structures tailored to maximize returns for investors. Jack Jacobs specializes in finding the right financing solutions to help you grow your real estate portfolio.

Investment property loans typically require higher down payments, slightly higher interest rates, and stricter qualification requirements than loans for primary residences. However, they offer flexible financing options, such as DSCR loans, bank statement loans, and asset-based mortgages, allowing investors to qualify based on rental income rather than personal income. Jack Jacobs can help you compare financing options and find the best mortgage for your investment goals.

A Debt-Service Coverage Ratio (DSCR) Loan allows real estate investors to qualify for a mortgage based on a property’s rental income rather than personal income or tax returns. Lenders calculate eligibility by dividing the rental income by the mortgage payment—if the property generates enough income to cover the loan, you may qualify. DSCR loans are great for new and experienced investors looking to expand their portfolios without using traditional income verification.

Most investment property loans require a 15% to 25% down payment, depending on the loan type, credit score, and property type. Some DSCR loans and alternative financing options allow for lower down payments, especially for well-qualified borrowers. Jack Jacobs will help you find the best financing options based on your budget and investment strategy.

Yes! Bank Statement Loans and DSCR Loans allow investors to qualify without tax returns or W-2s. Instead, lenders review 12 to 24 months of bank statements or rental income to determine loan eligibility. This is an ideal solution for self-employed investors, business owners, and those with non-traditional income streams. Jack Jacobs specializes in helping investors secure alternative mortgage financing with minimal documentation.

An interest-only investment loan allows borrowers to pay only the interest portion of the mortgage for a set period (typically 5-10 years), reducing monthly payments. This option is ideal for investors who want to maximize cash flow while property values appreciate. Jack Jacobs can help you determine if an interest-only loan is the right strategy for your investment goals.

Yes! A Cash-Out Refinance allows investors to tap into their property’s equity to purchase additional rental properties, renovate existing investments, or consolidate debt. Refinancing can also lower interest rates, extend loan terms, or switch to a DSCR loan for more flexible qualifications. Jack Jacobs helps investors navigate refinancing options to maximize their real estate investments.

Fix-and-Flip Loans are short-term financing options designed for investors who buy, renovate, and resell properties for profit. These loans offer quick approvals, interest-only payment options, and funding for both purchase and renovation costs. Jack Jacobs works with lenders specializing in fix-and-flip financing, helping investors secure the right funding for their renovation projects.

Yes! Multi-family investment loans are available for duplexes, triplexes, and apartment buildings, allowing investors to generate rental income from multiple units. Lenders offer specialized financing for small multi-unit properties (2-4 units) and large commercial multi-family properties (5+ units). Jack Jacobs will help you explore the best loan options for your multi-unit investment strategy.

Unlike primary residence loans, most investment property loans do not require private mortgage insurance (PMI), even with lower down payments. However, lenders may require higher interest rates or reserves instead. Jack Jacobs can help you find the best financing options with minimal extra costs.

Most lenders require a credit score of at least 620, but higher scores (700+) can secure better rates and terms. Some non-QM and alternative loan programs offer more flexible credit requirements. Jack Jacobs can help investors with varying credit profiles find the right mortgage solutions.

Loan amounts depend on the loan type, lender, and borrower’s financial profile. Many investment property loans allow financing up to $3 million or more, and Jumbo Loan options are available for high-value properties. Jack Jacobs can help investors determine how much financing they qualify for based on their investment strategy and financial goals.

Investment property loans typically close within 30 to 45 days, but some DSCR and Fix-and-Flip Loans can close faster, within 2-3 weeks. Working with an experienced mortgage expert like Jack Jacobs ensures a smooth and efficient closing process.

Yes! Many lenders allow multiple simultaneous investment property loans, depending on the investor’s credit score, loan-to-value ratio, and experience level. DSCR Loans and portfolio loans help investors finance multiple properties under one loan structure. Jack Jacobs works with lenders who specialize in multi-property financing, helping you scale your real estate investments efficiently.

Applying for an investment property loan with Jack Jacobs is simple. The process includes:

1. Pre-Approval – Determine eligibility and loan options.
2. Loan Selection – Choose from DSCR, bank statement, fix-and-flip, or traditional investment loans.
3. Application & Underwriting – Submit financial details, rental income verification, or bank statements.
4. Approval & Closing – Finalize the loan and begin generating rental income.

If you’re ready to expand your real estate portfolio or secure financing for your next investment, contact Jack Jacobs today for expert guidance and tailored mortgage solutions!