Investment Loans Made Simple
Flexible financing solutions for high-value properties with competitive rates and expert guidance.
15-20% Minimum Down Payment
620+ Min Credit Score
Rental Income Considered
Fast Pre-Approval Process
See Your Personalized Investment Loan Options
No credit check required • No obligation • 100% Free
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What Is a
Investmen Loan?
An investment loan is designed for purchasing or refinancing properties that generate income, such as rental homes, multi-unit properties, or fix-and-flip projects. These loans offer flexible qualification options and consider rental income to help you maximize your investment potential.
Purchase Loans
Finance single-family, multi-unit, or rental properties to build long-term wealth.
Rate & Term Refinance
Improve cash flow by lowering your rate or adjusting your loan terms.
Cash-Out Refinance
Leverage your property’s equity to fund additional investments or renovations.
Why Choose a Investment Loan?
Build wealth and generate income through strategic real estate financing.
Rental Income Qualification
Use projected or existing rental income to help qualify.
Multiple Property Options
Finance single-family homes, condos, and multi-unit properties.
Competitive Rates
Access strong rate options based on your financial profile and investment goals.
Portfolio Growth
Expand your real estate holdings and create long-term passive income.
Flexible Loan Structures
Choose from fixed or adjustable-rate options tailored to investors.
Equity Leverage
Tap into existing property equity to reinvest and grow faster.
Not sure if you qualify?
Don’t let uncertainty hold you back from homeownership, our team will review your situation and guide you every step of the way, completely free
1
Submit your information
2
Let us review your eligibility
3
Get personalized guidance
Why RHS Lending
Expert guidance, personalized solutions, and a smooth path from application to closing
Investor-Focused Solutions
We tailor financing strategies specifically for real estate investors.
Dedicated Loan Experts
Work with professionals experienced in investment property financing.
Fast & Efficient Closings
Move quickly on opportunities with our streamlined approval process.
Clear Communication
Stay informed throughout every stage of your loan process.
Frequently Asked Questions
What is the minimum down payment for an investment property loan?
Most investment property loans require a 15% to 25% down payment, depending on the property type, credit score, and lender guidelines. Higher down payments can help you secure better interest rates and improve approval chances.
Can I use rental income to qualify for an investment loan?
Yes, many lenders allow you to use projected or existing rental income to help qualify for an investment property loan. This can increase your borrowing power and make it easier to finance income-producing properties.
Are interest rates higher for investment property loans?
Yes, investment property loan rates are typically higher than primary residence loans because they carry more risk for lenders. However, strong credit, higher down payments, and solid financials can help you secure competitive rates.
How many investment properties can I finance at once?
The number of investment properties you can finance depends on the lender and loan type. Many conventional lenders allow up to 10 financed properties, while alternative programs like DSCR loans may offer more flexibility for experienced investors.
Ready to Grow Your Real Estate Portfolio?
Let RHS Lending help you secure the right investment loan and maximize your returns.