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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.

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.

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