{"id":505,"date":"2025-05-20T10:41:11","date_gmt":"2025-05-20T10:41:11","guid":{"rendered":"http:\/\/www.brightworksmanagement.com\/?p=505"},"modified":"2025-05-22T13:45:41","modified_gmt":"2025-05-22T13:45:41","slug":"6-best-investment-property-loans-for-2025","status":"publish","type":"post","link":"http:\/\/www.brightworksmanagement.com\/index.php\/2025\/05\/20\/6-best-investment-property-loans-for-2025\/","title":{"rendered":"6 Best Investment Property Loans for 2025"},"content":{"rendered":"<p>An investment property loan is any type of financing you use to buy or refinance a property that generates income, like a rental property (single-family home or a multifamily property) or a commercial property. Loans for investment properties can vary significantly \u2014 but ultimately, the best investment property loans have a low interest rate, a term length that fits your investment plan, and reasonable eligibility requirements for investors.&nbsp;<\/p>\n<p>Our choice of the six best loans for investment properties are:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/kiavi-tc-best-investment-property-loans\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Kiavi<\/a><\/strong>: Best for quick and easy funding<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/lima-one-capital-theclose-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Lima One Capital<\/a><\/strong>: Best for flexible rental property financing<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/visio-lending-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Visio Lending<\/a><\/strong>: Best for short-term rental properties<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/rcn-capital-tc-best-investment-property-loans\" target=\"_blank\" rel=\"noopener sponsored nofollow\">RCN Capital<\/a><\/strong>: Best for experienced investors<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/pennymac-main\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Pennymac<\/a><\/strong>: Largest variety of investment property loans<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/lendio-commercial-real-estate\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Lendio<\/a><\/strong>: Best for commercial properties\u00a0<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Comparison\">Best Investment Property Loans Compared<\/h2>\n<table id=\"tablepress-2706\" class=\"tablepress tablepress-id-2706 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\"><\/th>\n<th class=\"column-2\">Types of funding offered<\/th>\n<th class=\"column-3\">Terms<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><img class=\"alignnone wp-image-111823 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"kiavi logo\" width=\"130\" height=\"30\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174653.429.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Fix and flip loan<\/li>\n<li>Bridge loan<\/li>\n<li>New construction<\/li>\n<li>DSCR rental<\/li>\n<li>Rental portfolio loan<\/li>\n<li>Jumbo loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">DSCR loan terms:<\/p>\n<ul>\n<li><strong>Interest rates:<\/strong> As low as 6.75%<\/li>\n<li><strong>Loan terms:<\/strong> 30-year fixed rates<\/li>\n<li><strong>Time to funding:<\/strong> As little as 7 days<\/li>\n<li><strong>Minimum credit score:<\/strong> 660<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"3\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/kiavi-tc-best-investment-property-loans\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Kiavi<\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\"><img class=\"alignnone wp-image-111822 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Lima one capital logo\" width=\"130\" height=\"34\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174655.807.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Rental portfolio loan<\/li>\n<li>Single-family rental loan<\/li>\n<li>Short-term rental loan<\/li>\n<li>Fix and flip loan<\/li>\n<li>Bridge loans<\/li>\n<li>New construction<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">Single-family rental loan terms:<\/p>\n<ul>\n<li><strong>Loan amount:<\/strong> $75,000-$2.5 million<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 6.5%<\/li>\n<li><strong>Loan terms:<\/strong> Fixed rate or interest-only options<\/li>\n<li><strong>Time to funding:<\/strong> As little as 7-10 business days<\/li>\n<li><strong>Minimum credit score:<\/strong> 660<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"3\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/lima-one-capital-theclose-main\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Lima One Capital<\/a><\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\"><img class=\"alignnone wp-image-113686 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"visio lending logo\" width=\"130\" height=\"47\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/visio-lending-logo-768x275-1.webp\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>DSCR loan for short-term rentals<\/li>\n<li>DSCR loan for long-term rentals<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">DSCR loan terms:<\/p>\n<ul>\n<li><strong>Loan amount:<\/strong> Starting at $75,000<\/li>\n<li><strong>Loan terms:<\/strong> 30-year fixed rate<\/li>\n<li><strong>Minimum credit score:<\/strong> 680<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td colspan=\"3\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/visio-lending-main\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Visio Lending<\/a><\/td>\n<\/tr>\n<tr class=\"row-8\">\n<td class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-111821 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"RCN capital\" width=\"130\" height=\"45\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/unnamed-2025-04-03T174657.996.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Multifamily loan<\/li>\n<li>Fix and flip loan<\/li>\n<li>New construction loan<\/li>\n<li>Investor rental portfolio loan<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">Long-term rental loan terms:<\/p>\n<ul>\n<li><strong>Loan amount:<\/strong> $55,000-$2 million<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 5.75%<\/li>\n<li><strong>Loan terms:<\/strong> 30-year fixed, ARM, and hybrid options<\/li>\n<li><strong>Minimum credit score:<\/strong> 660<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-9\">\n<td colspan=\"3\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/rcn-capital-tc-best-investment-property-loans\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit RCN Capital<\/a><\/td>\n<\/tr>\n<tr class=\"row-10\">\n<td class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113687 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Pennymac logo\" width=\"130\" height=\"13\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/Pennymac-768x78.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Conventional mortgage<\/li>\n<li>FHA loan<\/li>\n<li>VA loan<\/li>\n<li>Adjustable rate (ARM)<\/li>\n<li>Jumbo loan<\/li>\n<li>USDA streamline<\/li>\n<li>Investment property loan<\/li>\n<li>Second home loan<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">Conventional mortgage loan terms:<\/p>\n<ul>\n<li><strong>Interest rates:<\/strong> Starting at 6.1%<\/li>\n<li><strong>Loan terms:<\/strong> 15-30 year fixed rate<\/li>\n<li><strong>Time to funding:<\/strong> Within 60 days<\/li>\n<li><strong>Minimum credit score:<\/strong> 620<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-11\">\n<td colspan=\"3\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/pennymac-main\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Pennymac<\/a><\/td>\n<\/tr>\n<tr class=\"row-12\">\n<td class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113685 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"lendio logo\" width=\"130\" height=\"27\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/lendio-logo.png\"><\/td>\n<td class=\"column-2\">\n<ul>\n<li>Conventional commercial mortgage loans<\/li>\n<li>SBA 504<\/li>\n<li>SBA 7(a)<\/li>\n<li>SBA microloans<\/li>\n<li>Business loans and lines of credit<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">Commercial mortgage loan terms:<\/p>\n<ul>\n<li><strong>Loan amount:<\/strong> $250,000-$5 million<\/li>\n<li><strong>Interest rates:<\/strong> As low as 4.5%<\/li>\n<li><strong>Loan terms:<\/strong> 10-25 years<\/li>\n<li><strong>Time to funding:<\/strong> 4-8 weeks<\/li>\n<li><strong>Minimum credit score:<\/strong> 650<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-13\">\n<td colspan=\"3\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/lendio-commercial-real-estate\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Lendio<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2706 from cache --><\/p>\n<h2 class=\"wp-block-heading\" id=\"Kiavi\">Kiavi: Best for quick and easy funding<\/h2>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2707\" class=\"tablepress tablepress-id-2707 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-111823 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"kiavi logo\" width=\"250\" height=\"58\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174653.429.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul>\n<li>User-friendly application process with fast funding (7-10 days)<\/li>\n<li>No tax or personal income documentation needed<\/li>\n<li>Flexible loan terms<\/li>\n<li>Available in 45 states<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul>\n<li>Interest rates and terms depend on your creditworthiness<\/li>\n<li>Limited rental loan options<\/li>\n<li>Not available in Mississippi, New Mexico, Rhode Island, Utah, or Vermont<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"2\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/kiavi-tc-best-investment-property-loans\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Kiavi<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2707 from cache -->\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Why we chose Kiavi<\/h3>\n<p>Kiavi is an online real estate lender that offers a variety of the best loans for real estate investors, from fix and flip loans to rental portfolio loans. It even topped our list of the <a href=\"https:\/\/theclose.com\/best-fix-and-flip-loans\/\">best fix and flip loan providers<\/a> for its easy process. Its online platform makes the application and funding process very easy, and allows you to get funding in as little as seven days, depending on the type of loan and size.&nbsp;<\/p>\n<p>It also offers competitive interest rates with a strong credit score and history. Although there isn\u2019t a huge variety of loans for rental properties specifically, it offers the best investment property loans for investors who want a simple, easy, and fast loan process.<\/p>\n<h3 class=\"wp-block-heading\">Kiavi\u2019s loan types and terms<\/h3>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2713\" class=\"tablepress tablepress-id-2713 typesterms\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Loan types<\/th>\n<th class=\"column-2\">DSCR loan terms<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">\n<ul>\n<li>Fix and flip loan<\/li>\n<li>Bridge loan<\/li>\n<li>New construction<\/li>\n<li>DSCR rental<\/li>\n<li>Rental portfolio loan<\/li>\n<li>Jumbo loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li><strong>Interest rates:<\/strong> As low as 6.75%<\/li>\n<li><strong>Loan terms:<\/strong> 30-year fixed rates<\/li>\n<li><strong>Time to funding:<\/strong> As little as 7 days<\/li>\n<li><strong>Minimum credit score:<\/strong> 660<\/li>\n<li>Adjustable-rate mortgage options<\/li>\n<li>Up to 80% loan-to-value (LTV)<\/li>\n<li>Single-family rentals (SFR), manufactured homes, PUDs, and condos<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2713 from cache -->\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"Lima\">Lima One Capital: Best for flexible rental property financing<\/h2>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2708\" class=\"tablepress tablepress-id-2708 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-111822 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Lima one capital logo\" width=\"250\" height=\"65\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174655.807.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul>\n<li>Multiple rental property loan options<\/li>\n<li>Flexible and customizable loan terms<\/li>\n<li>Long-term, short-term, and rental portfolio loan options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul>\n<li>Some loan types have higher interest rates<\/li>\n<li>Unclear fees<\/li>\n<li>Doesn\u2019t offer loans in Alaska, North Dakota, South Dakota, or Vermont<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"2\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/lima-one-capital-theclose-main\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Lima One Capital<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2708 from cache -->\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Why we chose Lima One Capital<\/h3>\n<p>Lima One Capital is another online lender that offers a variety of funding for different types of investors, like commercial property investors, developers, and flippers. It stands out from other lending options because of its loan options for rental property owners. There are three different types of rental property loans (portfolio rental loan, single-family rental loan, and short-term rental loan), and each offers very flexible terms. Because of these customization options, it\u2019s clear that Lima One offers the best loans for rental property.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"933\" height=\"576\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Rental loan customization options\" class=\"wp-image-113692 lazyload\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/Limaone-rentalloan.png\"><figcaption class=\"wp-element-caption\">Rental loan customization options (Source: Lima One Capital)<\/figcaption><\/figure>\n<\/div>\n<h3 class=\"wp-block-heading\">Lima One Capital\u2019s loan types and terms<\/h3>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2714\" class=\"tablepress tablepress-id-2714 typesterms\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Types of loans<\/th>\n<th class=\"column-2\">Single-family rental loan terms<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">\n<ul>\n<li>Rental portfolio loan<\/li>\n<li>Single-family rental loan<\/li>\n<li>Short-term rental loan<\/li>\n<li>Fix and flip loan<\/li>\n<li>Bridge loans<\/li>\n<li>New construction<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li><strong>Loan amount:<\/strong> $75,000-$2.5 million<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 6.5%<\/li>\n<li><strong>Loan terms:<\/strong> Fixed rate or interest-only options<\/li>\n<li><strong>Time to funding:<\/strong> As little as 7-10 business days<\/li>\n<li><strong>Minimum credit score:<\/strong> 660<\/li>\n<li>Up to 80% LTV on purchase, up to 75% on rate\/term refi and cash out<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2714 from cache -->\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"Visio\">Visio Lending: Best for short-term rentals<\/h2>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2709\" class=\"tablepress tablepress-id-2709 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-111822 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Lima one capital logo\" width=\"250\" height=\"65\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174655.807.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul>\n<li>Simple application process<\/li>\n<li>No income documentation required<\/li>\n<li>Purchase, refinance, and cash-out options available<\/li>\n<li>No balloon payments<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul>\n<li>Requires a down payment of 20-30%<\/li>\n<li>Only offers DSCR loans<\/li>\n<li>Doesn\u2019t offer loans in Oregon, Nevada, Utah, Idaho, North Dakota, South Dakota, Nebraska, Minnesota, Vermont, Rhode Island, or Delaware<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"2\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/visio-lending-main\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Visio Lending<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2709 from cache -->\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Why we chose Visio Lending<\/h3>\n<p>With Visio Lending, there are two types of DSCR loans (debt-service coverage ratio) for rentals: a loan for long-term rental properties and a different loan for short-term rental properties. DSCR loans are one of the best loans for an investment property because they are based on the income generated by your rental properties instead of your personal income. Plus, Visio\u2019s short-term rental loan offers a fixed rate and up to 80% loan-to-value, making it easy for you to grow or start a vacation property investment.<\/p>\n<h3 class=\"wp-block-heading\">Visio Lending\u2019s loan types and terms<\/h3>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2715\" class=\"tablepress tablepress-id-2715 typesterms\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Types of loans<\/th>\n<th class=\"column-2\">DSCR loan terms<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">\n<ul>\n<li>DSCR loan for short-term rentals<\/li>\n<li>DSCR loan for long-term rentals<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li><strong>Loan amount:<\/strong> Starting at $75,000<\/li>\n<li><strong>Loan terms:<\/strong> 30-year fixed rate<\/li>\n<li><strong>Minimum credit score:<\/strong> 680<\/li>\n<li>Up to 80% LTV<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2715 from cache -->\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"RCN\">RCN Capital: Best for experienced investors<\/h2>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2710\" class=\"tablepress tablepress-id-2710 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-111821 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"RCN capital\" width=\"250\" height=\"86\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/unnamed-2025-04-03T174657.996.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul>\n<li>Increasingly competitive rates based on your business history<\/li>\n<li>Low interest rates for long-term loans<\/li>\n<li>Multiple loan term options<\/li>\n<li>Simple online application process<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul>\n<li>LTC ratios vary based on your credit score<\/li>\n<li>Unclear fee structure<\/li>\n<li>No short-term rental loans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"2\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/rcn-capital-tc-best-investment-property-loans\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit RCN Capital<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2710 from cache -->\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Why we chose RCN Capital<\/h3>\n<p>RCN Capital is well known for offering many of the best loans for investment properties, including new construction, portfolio loans, and long-term rental loans. One of its most unique features is that they base loan terms off of your credit score and business history.&nbsp;<\/p>\n<p>For example, its long-term rental loan will finance up to 80% LTV if you have a credit score over 700. If your credit score is under 680, it will only cover up to 70% LTV. This makes RCN Capital the best loan for experienced investors to get the best rates.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"941\" height=\"489\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"LTV and LTC ratios by credit score\" class=\"wp-image-113693 lazyload\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/RCN-ltcrates.png\"><figcaption class=\"wp-element-caption\">LTV and LTC ratios by credit score (Source: RCN Capital)<\/figcaption><\/figure>\n<\/div>\n<h3 class=\"wp-block-heading\">RCN Capital\u2019s loan types and terms<\/h3>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2716\" class=\"tablepress tablepress-id-2716 typesterms\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Types of loans<\/th>\n<th class=\"column-2\">Long-term rental loan terms<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">\n<ul>\n<li>Multifamily loan<\/li>\n<li>Fix and flip loan<\/li>\n<li>New construction loan<\/li>\n<li>Investor rental portfolio loan<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li><strong>Loan amount:<\/strong> $55,000-$2 million<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 5.75%<\/li>\n<li><strong>Loan terms:<\/strong> 30-year fixed, ARM, and hybrid options<\/li>\n<li><strong>Minimum credit score:<\/strong> 660<\/li>\n<li>Non-owner-occupied properties with 1-4 units, condos, townhomes, and PUDs<\/li>\n<li><strong>LTV for:<\/strong>\n<ul>\n<li><strong>Purchase:<\/strong> Lesser of up to 80% of the As-Is Value or up to 80% Loan-to-Cost<\/li>\n<li><strong>Refinance:<\/strong> Up to 80% of the As-Is Value<\/li>\n<li><strong>Cash-Out:<\/strong> Up to 75% of the As-Is Value<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2716 from cache -->\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"Pennymac\">Pennymac: Largest variety of investment property loans<\/h2>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2711\" class=\"tablepress tablepress-id-2711 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113687 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Pennymac logo\" width=\"250\" height=\"25\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/Pennymac-768x78.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul>\n<li>Conventional, FHA, VA, and jumbo mortgage options<\/li>\n<li>Low interest rates<\/li>\n<li>Investment property loan down payments as low as 15%<\/li>\n<li>Excellent online reviews<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul>\n<li>Loans are not designed specifically for investors<\/li>\n<li>No HELOC options<\/li>\n<li>May have strict qualification requirements<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"2\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/pennymac-main\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Pennymac<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2711 from cache -->\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Why we chose Pennymac<\/h3>\n<p>Pennymac is a mortgage lender that offers the widest variety of real estate loans on our list. While many of their mortgage loans are meant for residential properties, they can be used for investment properties and even have benefits like a low 15% down payment.&nbsp;<\/p>\n<p>It is one of the few investment property loan providers that offers VA loans for primary residences and investment properties. Keep in mind that mortgages typically offer the lowest interest rates of all the types of investment loans \u2014 for example, Pennymac\u2019s current interest rate for a jumbo mortgage starts at just 6.125%.&nbsp;<\/p>\n<h3 class=\"wp-block-heading\">Pennymac\u2019s loan types and terms<\/h3>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2717\" class=\"tablepress tablepress-id-2717 typesterms\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Types of loans<\/th>\n<th class=\"column-2\">Conventional mortgage loan terms<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">\n<ul>\n<li>Conventional mortgage<\/li>\n<li>FHA loan<\/li>\n<li>VA loan<\/li>\n<li>Adjustable rate (ARM)<\/li>\n<li>Jumbo loan<\/li>\n<li>USDA streamline<\/li>\n<li>Investment property loan<\/li>\n<li>Second home loan<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li><strong>Interest rates:<\/strong> Starting at 6.1%<\/li>\n<li><strong>Loan terms:<\/strong> 15-30 year fixed rate<\/li>\n<li><strong>Time to funding:<\/strong> Within 60 days<\/li>\n<li><strong>Minimum credit score:<\/strong> 620<\/li>\n<li>Debt-to-income (DTI) ratio must be 50% or less<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2717 from cache -->\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"Lendio\">Lendio: Best for commercial properties<\/h2>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2712\" class=\"tablepress tablepress-id-2712 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img loading=\"lazy\" class=\"alignnone wp-image-113685 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"lendio logo\" width=\"250\" height=\"52\" data-src=\"http:\/\/www.brightworksmanagement.com\/wp-content\/uploads\/2025\/05\/lendio-logo.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/p>\n<ul>\n<li>Lowest commercial mortgage starting interest rates<\/li>\n<li>Simple online application process<\/li>\n<li>Excellent online rating (4.7 on Trustpilot with over 21,000 reviews)<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/p>\n<ul>\n<li>No loans for rental property owners<\/li>\n<li>Potential for added fees depending on the lender<\/li>\n<li>Exact rates and terms will vary until after you apply<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"2\" class=\"column-1\"><a href=\"\/\/link.technologyadvice.com\/r\/lendio-commercial-real-estate\u201d\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Lendio<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2712 from cache -->\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Why we chose Lendio<\/h3>\n<p>Lendio isn\u2019t a direct loan provider, but an online marketplace with over 75 lenders. Even though it isn\u2019t a real estate-specific lender, it offers some of the best commercial real estate loans on the market. It is one of the few online lenders to offer a conventional commercial mortgage option with flexible terms and the ability to get funding in eight weeks or less. It also offers SBA loans, which are ideal for funding commercial real estate. Overall, Lendio offers the best investment property loans for commercial real estate investors.<\/p>\n<h3 class=\"wp-block-heading\">Lendio\u2019s loan types and terms<\/h3>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2718\" class=\"tablepress tablepress-id-2718 typesterms\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Types of loans<\/th>\n<th class=\"column-2\">Commercial mortgage loan terms<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">\n<ul>\n<li>Conventional commercial mortgage loans<\/li>\n<li>SBA 504<\/li>\n<li>SBA 7(a)<\/li>\n<li>SBA microloans<\/li>\n<li>Business loans and lines of credit<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li><strong>Loan amount:<\/strong> $250,000-$5 million<\/li>\n<li><strong>Interest rates:<\/strong> As low as 4.5%<\/li>\n<li><strong>Loan terms:<\/strong> 10-25 years<\/li>\n<li><strong>Time to funding:<\/strong> 4-8 weeks<\/li>\n<li><strong>Minimum credit score:<\/strong> 650<\/li>\n<li>Must be in business for at least 2 years<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2718 from cache -->\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"choose\">How to choose the best loan for investment property<\/h2>\n<p>When residential home buyers think about buying a home, they only have a few options to choose from. For investors, on the other hand, there are many different types of loans and providers to choose from \u2014 which can be overwhelming.&nbsp;<\/p>\n<p>The best loan for investment property owners depends on many different factors. You have to start with a solid understanding of your business, your immediate and long-term goals, and your current financial status. Then, you can consider the following criteria:&nbsp;<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Type of investing<\/strong>: Consider how you\u2019ve invested in real estate so far and your future plans. This may help you get a clearer understanding of what you can afford and how your ideal loans should be structured.<\/li>\n<li><strong>Type of financing<\/strong>: Each type of loan offers different interest rates, eligibility criteria, and terms, so make sure you understand the pros and cons of all your options.<\/li>\n<li><strong>Eligibility &amp; terms<\/strong>: In general, financing options with fewer eligibility criteria have higher interest rates. Make sure you understand what you can qualify for and the specific long-term impact of each potential choice.<\/li>\n<\/ul>\n<div class=\"block-callout-box p-md-40 mb-40 last-child-mb-0 first-child-mt-0 \">\n<p><strong>Looking to start investing in commercial real estate? <\/strong>Check our <a href=\"https:\/\/theclose.com\/how-to-invest-in-commercial-real-estate\/\">How to Buy Commercial Real Estate<\/a> guide to get started.<\/p>\n<\/div>\n<h3 class=\"wp-block-heading\">Types of investment property loans&nbsp;<\/h3>\n<p>In general, investment property loans are mortgages or loans that are used to finance an income-generating property, like rental properties or commercial properties. When people talk about loans for investment properties, they could actually be referencing a wide range of loans.&nbsp;<\/p>\n<p>However, the following are generally considered the best loans for investment property:<\/p>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<table id=\"tablepress-2719\" class=\"tablepress tablepress-id-2719\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Type<\/th>\n<th class=\"column-2\">Pros<\/th>\n<th class=\"column-3\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\">Conventional loans (mortgages)<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Low interest rates<\/li>\n<li>Predictable payments<\/li>\n<li>Easy to find<\/li>\n<li>Long-term loans (15-30 years)<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">\n<ul>\n<li>Strict qualification requirements<\/li>\n<li>Often requires a down payment of 20% or more<\/li>\n<li>Limited to specific types of properties<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">DSCR loans (debt service coverage ratio)<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Approval is based on rental income, not personal income<\/li>\n<li>Fewer qualification requirements, ideal for self-employed investors<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">\n<ul>\n<li>Higher interest rates<\/li>\n<li>Requires a significant rental income<\/li>\n<li>May require a large down payment<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">Portfolio loans<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Simplifies financing by offering one loan for multiple properties<\/li>\n<li>Often offers interest-only options<\/li>\n<li>Customizable terms<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">\n<ul>\n<li>Higher interest rates<\/li>\n<li>Limited availability<\/li>\n<li>May require a large down payment<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">Commercial investment loans<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Flexible terms (often range from 5-20 years)<\/li>\n<li>Large loan amounts to fund large properties<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">\n<ul>\n<li>Often has strict qualification requirements<\/li>\n<li>May require a large down payment<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\">Home equity loans<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Low interest rates<\/li>\n<li>Flexible terms<\/li>\n<li>Unrestricted use of funds<\/li>\n<li>Ability to make use of existing home equity<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-3\">\n<ul>\n<li>Must use your home as collateral<\/li>\n<li>Only provides as much equity as you have in your home<\/li>\n<li>May have added fees<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2719 from cache -->\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"Methodology\">Methodology: How we evaluated the best investment property loans<\/h2>\n<p>Our <a href=\"https:\/\/theclose.com\/methodology\/\">methodology at The Close<\/a> is to provide real estate business owners with the most accurate and objective information to help them make the right business decisions. Our team of professionals, researchers, writers, real estate agents, and experts have done detailed research to evaluate the best investment property loans for investors of all kinds.&nbsp;<\/p>\n<p>Our criteria include:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Loan types<\/strong>: Since there are many different ways to invest in real estate, we looked for loan providers that offered a range of financing options for investors.<\/li>\n<li><strong>Loan terms<\/strong>: We carefully considered the terms of each loan that we chose as the best loan for investment property owners, looking specifically at interest rates, short and long-term payment structures, and fees.<\/li>\n<li><strong>Eligibility<\/strong>: We chose loan options with eligibility requirements that most real estate investors can meet, looking at business requirements, minimum credit scores, and types of properties the lender approved<\/li>\n<li><strong>Availability<\/strong>: Since our aim is to support investors all over the country, we chose providers with a wide reach.<\/li>\n<li><strong>Customer reviews<\/strong>: We chose lenders that have strong reputations and excellent reviews on multiple third-party websites.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Alternative\">Alternative loans for investment properties<\/h2>\n<p>Investing in real estate is an open-ended career \u2014 there are so many different strategies and <a href=\"https:\/\/theclose.com\/types-of-real-estate-investment\/\">types of real estate investing<\/a>. There may be a time when you need to finance an investment property or properties, but none of the typical methods fit your needs. There are plenty of alternative options, including:&nbsp;<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Hard money loans<\/strong>: Best for fix-and-flip investors or those looking for short-term financing, these loans come from a hard money lender. It typically has fewer eligibility requirements but higher interest rates. For options, check our guide to the <a href=\"https:\/\/theclose.com\/best-hard-money-lenders\/\">best hard money lenders<\/a>.<\/li>\n<li><strong>Business loans<\/strong>: General business loans can be used when you don\u2019t meet the criteria for real estate-specific financing. They can be short or long-term, but may have higher interest rates than conventional financing. These are typically a good option for those who need to do renovation or maintenance work for a property.<\/li>\n<li><strong>Bridge loans<\/strong>: These short-term loans are meant to be used when there\u2019s a gap between your immediate financial needs and your long-term financing plan. Bridge loans are perfect for those with quick investment projects that they plan to sell or refinance.<\/li>\n<li><strong>FHA loans<\/strong>: FHA loans are provided by the Federal Housing Administration. There are FHA loans for primary residences and FHA loans specifically made for multifamily properties, which typically offer more flexible qualification criteria.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"FAQs\">Frequently asked questions (FAQs)<\/h2>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"what-type-of-loan-is-best-for-an-investment-property\" class=\"my-40\">What type of loan is best for an investment property?<br \/>\n\t\t\t\t<\/h3>\n<p><img alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"what-type-of-loan-is-best-for-an-investment-property-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>The most common and most popular type of loan for investment properties is a conventional mortgage. However, owners of multiple rental properties often use portfolio loans (or blanket loans) to consolidate their payments. DSCR loans are also popular options for rental property owners to finance an investment based on their property\u2019s revenue and not their personal income.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"can-i-put-less-than-20-down-on-an-investment-property\" class=\"my-40\">Can I put less than 20% down on an investment property?<br \/>\n\t\t\t\t<\/h3>\n<p><img alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"can-i-put-less-than-20-down-on-an-investment-property-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>While most investment property financing will require 20-30% down, there are exceptions depending on the loan type, the lender&#8217;s preference, and your creditworthiness as a borrower. For example, Pennymac offers loan options with down payments as low as 15%.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"is-it-hard-to-get-a-loan-for-an-investment-property\" class=\"my-40\">Is it hard to get a loan for an investment property?<br \/>\n\t\t\t\t<\/h3>\n<p><img alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"is-it-hard-to-get-a-loan-for-an-investment-property-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>Getting a loan for an investment property can be more challenging than getting a mortgage for your primary home. Investment properties are considered to be more risky, so there are higher eligibility requirements, and you typically need a larger down payment.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<p>The post <a href=\"https:\/\/theclose.com\/best-investment-property-loans\/\">6 Best Investment Property Loans for 2025<\/a> appeared first on <a href=\"https:\/\/theclose.com\">The Close<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>An investment property loan is any type of financing you use to buy or refinance a property that generates income, like a rental property (single-family home or a multifamily property) or a commercial property. Loans for investment properties can vary&#8230; <\/p>\n","protected":false},"author":1,"featured_media":394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[12],"tags":[],"_links":{"self":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts\/505"}],"collection":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/comments?post=505"}],"version-history":[{"count":2,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts\/505\/revisions"}],"predecessor-version":[{"id":512,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/posts\/505\/revisions\/512"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/media\/394"}],"wp:attachment":[{"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/media?parent=505"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/categories?post=505"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.brightworksmanagement.com\/index.php\/wp-json\/wp\/v2\/tags?post=505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}