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What is a Investment Mortgage loan?

The investment loan may be your best option if you are planning on buying, refinancing, or renovating a property to generate rental income or capital appreciation. An investment property loan or real estate investment loan is a type of loan designed for individuals or businesses who wish to invest in real estate, such as rental properties, commercial properties, or real estate development projects.

Key features of
Investment Mortgage Loans include:

Property Type

Loans for investment properties can finance single-family homes, multi-family buildings, commercial properties, and vacation rentals.

Down Payment

Investment properties require a higher down payment than primary residences. Down payments can range from 15% to 25% of the property’s price.

Interest Rates

Lenders may charge slightly higher interest rates for investment mortgage loans due to perceived higher risks.

Loan Terms

Like traditional mortgages, investment mortgage loans have varying loan terms, such as 15, 20, and 30 years.

Rental Income

When lenders evaluate your loan application, they may consider the potential rental income that could be generated from the investment property. Having a positive rental income stream can increase the chances of your loan being approved.

Creditworthiness

Your credit score and financial history play a crucial role in securing an investment mortgage loan. Lenders assess your ability to manage the additional financial responsibilities associated with owning an investment property.

Property Management

Some lenders may require a property management plan for non-owner-occupied properties to ensure proper maintenance and tenant management.

Tax Implications

Owning investment properties can have tax benefits, like mortgage interest and property deductions, but it’s important to talk to a tax advisor about potential capital gains taxes that may apply when selling the property.

Loan Application Process

The process for obtaining an investment mortgage loan is similar to that of a traditional mortgage, including income verification, credit checks, and property appraisal.

FAQ

You can start the application process on our website by filling out the form online, setting up a loan consultation appointment, or calling us on the phone. There is not an application fee.
Your borrowing capacity depends on your income, expenses, creditworthiness, and the type of loan you’re applying for. We’ll work with you to find a loan amount that works with your budget and your comfort level.
We will typically work through this together. You will want to lock in once you are under contract on your home and your loan has been uploaded to the lender.
Yes, you can make extra payments and even pay off your mortgage early. If you are paying off your mortgage you can do so after making six monthly payments without a penalty.
Yes, you can make extra payments and even pay off your mortgage early. If you are paying off your mortgage you can do so after making six monthly payments without a penalty.
Closing costs include fees for services such as title company costs, setting up your escrow account (property taxes and insurance), origination fees from lender for underwriting, etc. We typically have the lender pay our origination fee to help keep your closing costs lower.
We offer a range of home loan options, including Conventional, FHA, VA, USDA, Jumbo, Bank Statement, Asset Qualifier, Refinance, Reverse Mortgage, and so many others. Each loan type has unique features to suit different financial situations. Let our expertise guide you to find the one that is right for you.
Loan Approval: You receive final approval from the lender (clear to close). Closing: The final paperwork is signed by all parties and the loan is then funded and recorded.
As mortgage brokers we have access to 60+ wholesale lenders providing you with multiple options for all your home buying needs with lower rates and exceptional service. At Loans By Vicky, we stay in constant contact with you throughout the entire process. We are still here for you even after you close. We love making friends one mortgage at a time!
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