Investment Property Loan

Financing solutions for purchasing or refinancing rental properties.

Investment property loans cater to the unique financial needs of real estate investors, providing the necessary capital to acquire or refinance properties, enabling investors to expand their real estate portfolios.

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Investment Property Loan Features

Tailored to meet the unique demands of real estate investors.

Higher Loan Limits

Investment property loans often come with higher loan limits, accommodating the purchase of more expensive or multiple properties.

Flexible Loan Structures

These loans can be structured as fixed-rate, adjustable-rate, or interest-only, depending on the financial strategy of the investor.

Eligibility for Various Property Types

Can be used to finance a range of properties, including single-family homes, multi-unit buildings, and commercial real estate.

Stricter Underwriting Standards

Typically require a larger down payment and have stricter credit score and income requirements, reflecting the higher risk for lenders.

Benefits of an Investment Property Loan

Portfolio Expansion

Provides the necessary capital to acquire or refinance properties, enabling investors to expand their real estate portfolios.

Potential for Higher Returns

Investing in real estate can offer significant returns through rental income and property appreciation.

Tax Advantages

Investors may benefit from tax deductions related to mortgage interest, property taxes, and depreciation.

Diversification

Real estate investments can diversify an investment portfolio, potentially reducing overall risk.

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With a deep understanding of real estate investment needs, A and N Mortgage is equipped to guide borrowers through the complexities of investment property financing.

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loan FAQ

Loan Program

Frequently Asked Questions

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Some loans will allow you to secure just a 5% down payment plus closing costs. Another option is a piggy-back loan where you get approved for the first and second mortgage to avoid PMI. You could also apply for an FHA loan which only requires a 3.5% down payment.

However, your interest rate will likely be higher, and you will be required to buy private mortgage insurance (PMI).