INVESTMENT PROPERTY FINANCING
Financing Built for Your Next Investment Property
Whether you are purchasing your first rental property or expanding an existing real estate portfolio, the right financing can help you move forward with confidence.
Veteran Mortgage Solutions helps you explore investment property loan options based on your goals, financial profile, property and investment strategy.
Clear Guidance. Personalized Options. Experienced Mortgage Support.
INVESTMENT PROPERTY FINANCING
Financing Built for Your Next Investment Property
Whether you are purchasing your first rental property or expanding an existing real estate portfolio, the right financing can help you move forward with confidence.
Veteran Mortgage Solutions helps you explore investment property loan options based on your goals, financial profile, property and investment strategy.
Clear Guidance. Personalized Options. Experienced Mortgage Support.
A CLEARER PATH TO FINANCING
Turn Your Next Real Estate Opportunity Into a Clear Financing Plan
Investment property financing works differently from financing a primary residence. Qualification requirements, available loan programs, cash reserves, down payments, rental income and property use can all affect your options.
Whether you are buying a long-term rental, refinancing an existing investment property or looking to access equity for another opportunity, Veteran Mortgage Solutions helps you understand your financing choices before you make your next move.
FINANCING BY GOAL
Investment Property Financing for Different Goals
Your financing should reflect what you are trying to accomplish with the property.
Purchase an Investment Property
Finance an eligible residential property that you plan to hold as an investment rather than occupy as your primary residence.
Refinance a Rental Property
Review refinancing options for an investment property you already own. Depending on the loan program and your qualifications, refinancing may help you change the structure or terms of your existing mortgage.
Access Property Equity
Qualified property owners may be able to access accumulated equity through an investment property cash-out refinance or other available financing solution.
Expand Your Real Estate Portfolio
If you already own rental properties, we can help you review financing strategies for your next acquisition and determine which available programs fit your objectives.
QUALIFICATION FACTORS
What Lenders Consider When Financing an Investment Property
Investment property loans can have different underwriting requirements than mortgages for a primary residence. The specific requirements depend on the lender, property, loan program and borrower.
Property Type
The type of residential property and how you intend to use it can affect program eligibility.
Credit Profile
Your credit history and overall financial profile can influence available financing and terms.
Down Payment or Equity
Investment property financing may require more borrower equity than financing for a primary residence.
Income and Debt
Lenders may review your income, existing obligations and overall debt-to-income position.
Rental Income
Depending on the program, qualifying rental income may be considered during underwriting.
Financial Reserves
Some investment property programs require borrowers to maintain additional funds after closing.
Requirements vary by loan program and lender. A Veteran Mortgage Solutions mortgage professional can help you determine which requirements apply to your situation.
AVAILABLE STRATEGIES
Investment Property Loan Options
There is no single mortgage program that fits every real estate investor. We help you compare available financing based on how you plan to use the property and how you qualify.
Conventional Investment Property Financing
Traditional mortgage financing may be available for qualified borrowers purchasing or refinancing eligible non-owner-occupied residential properties.
Rental Property Financing
Financing options may be available for properties intended to generate long-term rental income.
Investor-Focused Loan Programs
Depending on availability and qualification requirements, certain programs may evaluate an investment property differently from a traditional owner-occupied mortgage.
Investment Property Refinancing
Existing property owners may have options to refinance their current investment property mortgage.
Investment Property Cash-Out Refinancing
Qualified borrowers may be able to convert a portion of their investment property equity into cash, subject to program requirements and available equity.
FOR VETERANS & MILITARY FAMILIES
Veterans Can Invest in Real Estate Too
A VA-backed purchase loan is designed for a home the eligible Veteran or service member intends to occupy. A property purchased strictly as a non-owner-occupied investment generally does not meet the VA occupancy requirement.
That does not prevent Veterans from owning investment properties. Veteran Mortgage Solutions can help Veterans and military families explore other available mortgage programs when purchasing a property that will be used as an investment.
Buying a Multi-Unit Property?
Some borrowers may have different financing options when they plan to occupy part of a multi-unit property while renting other units. Property eligibility, occupancy requirements and loan qualification rules apply.
THE PROCESS
A Straightforward Investment Property Loan Process
1
Tell Us About Your Goal
Are you buying, refinancing, accessing equity or expanding your portfolio? We start with what you want the financing to accomplish.
2
Review Your Financial Profile
We review the information needed to identify loan programs that may fit your circumstances.
3
Compare Available Financing
We explain relevant options, qualification requirements and the next steps in plain language.
4
Move Toward Closing
Once you select a loan option and complete the application process, our team helps guide the mortgage through underwriting and closing.
WHY VETERAN MORTGAGE SOLUTIONS
Mortgage Guidance Built Around Your Investment Goals
Personalized Guidance
We start with your investment goal instead of trying to force every borrower into the same financing solution.
Clear Explanations
You receive straightforward information about loan requirements, documentation and available options.
Multiple Financing Strategies
We help you evaluate financing based on the property, your financial profile and how you plan to use the real estate.
Support From Application Through Closing
Our team stays involved throughout the mortgage process so you know what comes next.
FREQUENTLY ASKED QUESTIONS
Investment Property Loan FAQs
What is an investment property loan?
An investment property loan is financing used to purchase or refinance real estate that the borrower generally does not intend to use as a primary residence. The property may instead be held to generate rental income, appreciation or both.
Can I use a VA loan to purchase an investment property?
A VA-backed purchase loan requires the borrower to intend to occupy the property as a home. It generally cannot be used solely to purchase a non-owner-occupied investment property.
Do investment property loans require a larger down payment?
Investment properties may have different equity or down payment requirements than primary-residence mortgages. The amount depends on the loan program, property, borrower qualifications and other underwriting factors.
Can rental income help me qualify?
Potential or existing rental income may be considered under some loan programs. The amount that can be used and the required documentation depend on the lender and program.
Can I refinance an investment property?
Yes. Qualified property owners may have refinancing options for existing investment properties. Available programs and terms depend on factors including equity, credit, income, property type and loan purpose.
Can I take cash out of an investment property?
Cash-out refinancing may be available for qualified investment property owners with sufficient equity. Maximum financing and other requirements vary by program.
Can first-time real estate investors qualify?
Potentially. You do not necessarily need to own multiple properties before exploring investment property financing. Qualification depends on the individual loan program and your financial profile.
What types of properties can be financed?
Eligible property types vary by program. Tell us about the property you are considering and our team can help identify financing options that may apply.
How do I know which investment property loan is right for me?
Start with the property’s intended use, your available funds, credit and income profile, expected rental income and longer-term investment plan. A mortgage professional can then help you compare programs based on those factors.
Ready to Finance Your Next Investment Property?
Ready to Explore Your VA Loan Options?
Whether you are buying, refinancing or simply trying to understand what your VA benefit may allow you to do, you do not have to figure it out alone.
Talk with a Veteran Mortgage Solutions loan specialist and get clear answers about your options.
Serving Veterans and military families from coast to coast, where licensed.
