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Rates from 8.99%

Residential Investment Property Loans — Rates Starting at 8.99%

An investment property loan funds a residential property you will hold for income rather than live in. Published programs start at 8.99% with up to 80% of the purchase financed, and they are underwritten on the property's income plus your history as an operator.

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Program guidelines

AmountUp to 80% of purchase
TermProgram dependent
SpeedAs little as 20 days
Credit650+
Time in businessPrior project history required
Revenue—

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

A landlord handing keys to a tenant at the door of a small duplex

Who this is right for

  • Buy-and-hold rentals and small portfolios
  • BRRRR-style refinances after a rehab stabilizes
  • Investors with prior successful projects who need speed over the lowest possible rate
  • Properties a conventional lender will not touch on timeline

How it works

  1. Property income and your prior project history drive the approval.
  2. Up to 80% of the purchase can be financed; you bring the rest plus closing costs.
  3. Express programs close in as little as 20 days.
  4. Rates start at 8.99% and move with the deal's risk.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Residential Investment Property Loans — straight answers

How much can I borrow on an investment property?
Up to 80% of the purchase price on the published programs, with a 650 minimum FICO.
Do I need to have done this before?
Yes — experience with prior successful residential investment real estate projects is a stated requirement.
How fast can it close?
Express funding can run in as little as 20 days, which is usually faster than a conventional investor mortgage.

Compare with

Small Business Loans

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Business Line of Credit

Draw only what you need

SBA Loans

Lowest cost, longest terms

No cost · No obligation

See if you qualify for residential investment property loans

One application, a soft review only, and an honest read on whether this is even the right product for you.

Get Pre-QualifiedSee funding options Text FUNDING to (540) 556-4123

Checking your options does not affect your business credit. A soft review only.