Unlock Wealth with Investment Property Financing
Higher returns start with the right mortgage. We specialize in loans for rental properties, multi-unit homes, and income-generating real estate.
Down payments as low as 15% for qualified borrowers
Flexible options including conventional, DSCR, and portfolio loans
Expert guidance for first-time investors and seasoned landlords
Competitive rates in today's market
Why Choose an Investment Property Mortgage?
Investing in real estate can build long-term wealth through rental income and appreciation. But financing differs from a primary residence loan—lenders view these as higher risk, so terms reflect that.
Key Differences from Primary Residence Mortgages:
Down Payment: Typically 15-25% (vs. 3-5% for primary homes)
Interest Rates: Usually 0.5-1% higher due to added risk
Credit Score: Often 680+ minimum (vs. lower for owner-occupied)
Reserves: 6+ months of mortgage payments in liquid assets common
Qualification: Stricter DTI (debt-to-income) and income verification; rental income can help qualify
As of March 2026, average 30-year fixed primary mortgage rates hover around 6.1-6.4%, so expect investment property rates starting ~6.9-7.9% depending on your profile (rates fluctuate—contact us for personalized quotes).
Current Investment Property Loan Options
We offer a range of solutions tailored to investors:
Conventional Loans — Backed by Fannie Mae/Freddie Mac; great for strong credit and stable income. Down payment: 15-25% Up to 10 financed properties allowed Fixed or adjustable rates
DSCR Loans (Debt Service Coverage Ratio) — Qualify based on the property's rental income (not your personal W-2). Ideal for self-employed or multiple-property owners No tax returns/paystubs often required Minimum DSCR ~1.0-1.25
Portfolio Loans — Held in-house for more flexible underwriting.
Other Options — Jumbo for higher-value properties, fix-and-flip bridge loans (if applicable).
2026 Qualification Requirements (Typical Guidelines)
Requirements vary by lender and your situation, but here's what most investors face:
Credit Score: 680+ for best terms (some as low as 620-640 with higher down payment)
Down Payment: 15% (single-family) to 25% (multi-unit)
Debt-to-Income (DTI): Often 36-45% max (including new mortgage)
Cash Reserves: 6-12 months of payments (especially for multi-properties)
Rental Income: Can offset mortgage payments; lenders may use 75% of projected rent for qualification
Pro Tip: Strong reserves and good cash flow analysis boost approval odds.
Benefits of Working with Us
Personalized pre-approval to know your buying power
Access to multiple lenders for the best rates
Guidance on using rental income to qualify
Local expertise in Reno/Nevada markets (growing rental demand!)
Ready to Invest? Next Steps
Get Pre-Approved — Quick, no-obligation check of your options.
Run the Numbers — Calculate potential cash flow and ROI.
