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Watch a short overview of how investment property financing works.
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Investment Property Loans
Explore financing options for rental property, small multifamily properties, and other investment scenarios.
Investment property financing works differently from a primary residence loan. This page helps you understand the numbers, qualification issues, and next steps.
Start here
A simple way to begin if you’re considering buying or refinancing an investment property.
Estimate
Use a calculator to think through payment, rent, cash flow, and equity.
Open calculator
Understand
Read a simple guide to how lenders look at investment property loans.
Read guide
Move forward
Ready to explore options? Start an application or ask us about your scenario.
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Featured videos
Helpful videos for people considering rental property, investment purchases, or financing options.
Plan the numbers
Before you move forward, it helps to understand the payment, possible rental income, available equity, and overall investment picture.
Payment calculator
Estimate the monthly payment based on price, down payment, and interest rate.
Open calculatorRental property cash flow calculator
Estimate whether expected rent may cover the mortgage payment and common rental property expenses.
Open calculatorRefinance calculator
Compare possible refinance options if you already own the property.
Open calculatorHome equity calculator
Estimate available equity if you are considering using equity from another property.
Open calculatorCan I qualify?
Investment property loans often have different requirements than primary residence loans.
Featured qualification topic
Can I qualify for a rental property mortgage?
Learn how qualifying for a rental property mortgage differs from a primary residence loan, including down payment, income, reserves, credit, and rental income considerations.
More qualification topics
- Can I qualify if I'm self-employed? Learn how self-employment income is reviewed for mortgage qualification, including tax returns, income history, business stability, and documentation requirements.
More ways we can help
Some loan options are designed around a specific investment goal or property type. If one of these fits what you are trying to do, the linked page may ask a few questions or invite you to request more information.
Buy an investment condo the easy way
Interested in an investment condo, condotel, or property with rental-pool features? This option may let the property's rental potential support the loan instead of traditional income documentation.
Request detailsBuy rental property the easy way
Want to buy a rental property without the usual income-documentation hurdles? This option may let the property's expected rental income help support the loan.
Request detailsBuy your own short-term rental
Short-term rentals can be harder to finance through traditional loan guidelines. This option may help you qualify using the property's rental potential instead of proving personal income or employment.
Request detailsBuy a small apartment the easy way
Small multifamily properties can be a powerful investment. This option may help you qualify using the property's expected rental income rather than traditional income documentation.
Request detailsWhat clients say
“Steve is the best... this is the third property he's handled financing on us for. There's nothing that throws him... we wouldn't use anyone else.”
— Marianne and Francois L.
From the kitchen
Because life is not all mortgages. Click on a recipe card to enlarge and print it.
Sheet Pan Chicken
Salmon Bites
Ready to move forward?
Investment property financing depends on the property, your goals, and the loan structure. We can help you understand the options before you move forward.
Have a question? Use the chat icon in the bottom right - we’re here to help.