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Investment property loans for real estate investors
Buy your next rental property, expand your real estate portfolio, or fund your next renovation project with flexible investment property loans from AsertaLoans.
We offer Conventional, Non-QM, DSCR, and Fix-and-Flip mortgage options designed for different real estate investment strategies, down payments, and documentation needs.
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10% minimum down payment
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600 minimum credit score
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No Personal Income/Employment verification options
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Renovation Loan options available
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AirBnB mortgage loans offered
Compare Our Investment Property Loan Programs
Loan Program | Minimum Down Payment | Interest Rate | Minimum Credit Score | Key Advantage |
|---|---|---|---|---|
Conventional | 15% | Lowest | 620 | Lowest rate option; income documentation required |
Investor Saver | 10% | Higher | 600 | Lowest down payment; income documentation required |
Investor Cash Flow (DSCR) | 15% | Higher | 600 | Fastest approval; no proof of income or employment required; Approval based on property's cash flow only. |
Fix & Flip | 10% of initial purchase OR 25% of After-Repair Value (lower of two) | Highest | 660 | Funds purchase and renovation; 12–18 month term |
Which Investment Loan Should I Get?
What Is an Investment Property Loan?
An investment property loan is a mortgage that helps you buy a property you plan to use as an investment rather than your primary residence. Whether you're looking to purchase your first rental property, earn extra income from tenants, or buy a fixer-upper to renovate and sell for a profit, an investment property loan can help you get started.
These loans work a lot like regular home mortgages, but there are a few differences. Since you're buying a property for investment purposes, lenders may require a larger down payment, charge a higher interest rate, or have different credit and income requirements. The good news? There are several financing options available, even if you're self-employed or prefer to qualify using the property's rental income instead of your personal income.
Investment Loan Mortgage Programs
Conventional
Our lowest-rate option
Good for investors wanting the lowest rate and has enough income to give a low enough Debt-to-Income (DTI) ratio.
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620 minimum credit score
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15% minimum down payment
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Approval based on Debt-to-Income ratio (50% maximum)
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Income documentation required
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W2 Employees: Paystubs + 2 years of W2 statements
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Self-Employed/1099 Contractors: 2 years of Tax Returns
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Employment income used requires at least 24 months of employment history.
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AirBnB allowed
Investor Saver
Our lowest down payment option
Good for investors wanting the lowest down payment and has enough income to give a low enough Debt-to-Income (DTI) ratio.
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10% minimum down payment.
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600 minimum credit score
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Rate is higher than Conventional
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Approval is based on Debt-to-Income ratio (40-55% max)
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Income documentation required
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W2 Employees: Paystubs + 2 years of W2 statements
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Self-Employed/1099 Contractors (any one of the following):
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2 years of tax returns (for 10% down payment)
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12-24 months of bank statements
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2 years of 1099 statements
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Non-QM loan
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AirBnB allowed
Investor Cash Flow (DSCR)
Fastest closing/approval with no proof of income or employment required
Good for investors wanting to close the quickest (as little as 15 days) or has complicated income/employment history or lack income documents.
Approval is based on the property's monthly market rent being higher than the monthly mortgage payment (+ HOA fee if any).
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Closing in as little as 15 days
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No proof of income or employment required
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15% minimum down payment
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Rate is higher than Conventional
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600 minimum credit score
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AirBnB allowed
Fix-and-Flip
Get money for purchase and rennovations
Get a mortgage loan to pay for both the initial purchase of the property and cost of remodeling
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Down payment will be the lesser of
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10% of purchase price OR
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25% of the After-Repair Value
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660 minimum credit score
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Highest interest rate
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12-18 month total (refinance to a lower rate loan after completion)
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Interest-only monthly payments
Before the Purchase: You'll submit a budget with plans of your renovations broken up into 3 phases.
After the Purchase: You'll pay for the renovations out-of-pocket, then request the lender to reimburse you at the end of each phase (3 phases typically).
Google Reviews from Real Estate Investors
Call our Investment Mortgage Team Today
Contact our Mortgage Loan Officers today to get pre-approved and find out how much you can qualify for on your next investment property.
Hours
Monday 7 AM – 8 PM
Tuesday 7 AM – 8 PM
Wednesday 7 AM – 8 PM
Thursday 7 AM – 8 PM
Friday 7 AM – 8 PM
Saturday 7 AM – 8 PM
Sunday 7 AM – 8 PM
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Phone
(214) 960-0998
Frequently Asked Questions (FAQs)
Investment Loan Articles
