Pre-Qualify for Investment Property Loans
Estimate borrowing power and identify programs that fit your investment goals.
Grow Your Wealth with Rize Investment Property Loans
Turn Your Real Estate Ambitions into Reality with Rize’s Tailored Investment Property Financing
Check Your Investment Loan Eligibility
See if you qualify with a soft credit check and no obligation. Fast, free, and won't impact your score.
Check Eligibility
Explore Investment Loan Options
Not sure what loan is right for your property goals? Answer a few questions and get tailored recommendations.
Find My Loan Match
Speak to a Rize Loan Specialist
Have questions? Book a free 15-minute call with an investment loan expert.
Mortgage Loan Options for Investment Properties
Choosing the right investment mortgage option is crucial for maximizing returns and minimizing risk. Rize offers several programs tailored to your financing of investment property ventures.
Bridge Loan
Bridge loans are short-term financing designed to help investors purchase a property while waiting for permanent financing or the sale of another property. It is ideal for quick transactions, renovations, or competitive markets.
DSCR Loan
Debt Service Coverage Ratio (DSCR) loans are based on rental income potential rather than personal income alone. Perfect for investors buying multiple properties or managing rental cash flow.
Rental Property Loan
Traditional mortgage loans for investment property purchases, designed to finance single or multi-family rentals. Rize offers competitive rates, flexible terms, and guidance for first-time rental investors.
Non-Qualified Mortgage
Non-QM loans provide financing solutions for investors with unique income situations or higher debt-to-income ratios. They allow you to qualify for properties that traditional loans might not cover.
Renovation Loan
Invest in properties that need upgrades or full-scale renovations. Home renovation financing for investment properties lets you fund both the purchase and improvements in a single loan, maximizing potential returns.
How to Choose the Right Investment Property Loan
Choosing the right real estate financing really comes down to your goals, strategy, and the type of property you're working with. At Rize, we help you navigate every step of the process so you can find the loan that best fits your investment and sets you up for long-term success.
Short-term vs. long-term goals
If you're planning a quick flip, a bridge loan might be your best bet. But if you're in it for steady rental income, DSCR loans or long-term rental financing could be a smarter move.
Property type matters
Multi-family properties often qualify more easily for DSCR loans, while single-family rentals may be a better fit for traditional rental loans or renovation financing.
Our Simple Investment Property Financing Process
We simplify mortgage loans for investment property with a clear, step-by-step process.
1
Choose Your Loan Type
We review your portfolio, financial profile, and property plans to match you with the right program.
2
Apply & Submit Documentation
Provide income, assets, credit info, and property details. We guide you on everything in this process.
3
Underwriting & Appraisal
Our expert loan officers assess your investment property’s value, rental potential, and financial eligibility.
4
Lock Your Rate & Prepare Closing
Secure favorable terms, finalize closing details, and prepare for property acquisition.
5
Close & Fund Your Loan
Complete paperwork, access funds, and start building your real estate portfolio.
6
Tips to Maximize Returns with Investment Property Loans
Using investment property loans wisely can help you earn more by lowering costs and increasing property value.
Know Your Market
Research local rental demand, appreciation trends, and neighborhood dynamics.
Keep Documentation Ready
Streamlined financial processes to make loan approval faster and more efficient.
Plan for Vacancies & Expenses
Maintain reserves for unexpected repairs or tenant turnover.
Use Loans Strategically
Select rental property mortgages that align with long-term ROI goals.
Work With Experts
Contact Rize Mortgage loan officers to help you navigate complex financing for borrowers.
FAQ (Frequently Asked Questions)
Can You Claim Interest on the Rental Property Mortgage?
Yes, you can usually deduct mortgage interest on a rental or investment property as an expense against your rental income, reducing your taxable income. The Internal Revenue Service (IRS) allows property owners to deduct interest, property taxes, and other expenses related to managing or maintaining the property. Deductions can reduce your taxable rental income, lowering your overall tax liability.
What Type of Loan is Best for an Investment Property?
Conventional loans or portfolio loans are typically preferred for investment properties, as government-backed loans like FHA, VA, and USDA are usually limited to primary residences. Investment property loans often require higher down payments (15–25%) and slightly higher interest rates than primary residence loans. Jumbo loans may be an option for high-value investment properties.
Can You Use a VA Loan for an Investment Property?
No, VA loans are generally limited to primary residences and cannot be used to finance a property purely for investment purposes. VA loans are designed to help veterans, active-duty service members, and eligible surviving spouses purchase a home they intend to occupy. Using a VA loan to buy a rental or investment property is not allowed, although some borrowers may convert a primary residence into a rental after living in it.
How to Finance an Investment Property?
Investment properties can be financed with conventional loans, jumbo loans, portfolio loans, or cash-out refinancing on an existing property. Lenders typically require larger down payments, higher credit scores, and proof of income to mitigate risk. Rental income projections may also be considered during underwriting.
What Qualifies as an Investment Property?
An investment property is real estate purchased primarily to generate rental income, capital appreciation, or both. This includes single-family homes, multi-family units, condos, and commercial properties not intended for the owner’s primary residence. The property may be rented long-term, used as a vacation rental, or held for resale. Lenders assess investment properties differently from primary residences, usually requiring higher down payments and interest rates.
Ready to Invest in Real Estate?
With Rize’s investment property loans, you can grow your portfolio, leverage equity, and access tailored financing designed for investor success.
