Investment Property Loans

Turn real estate into revenue with an Investment Property Loan.

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What is an Investment Property Loan?

An investment property is a property that is owned but not occupied by the borrower and is not your primary residence. If you’re purchasing another property to bring in more income by renting the property or to take advantage of tax benefits, you’ll need an investment property loan.

Investment property loan vs primary home loan

Investment property loans commonly have higher interest rates and will require a higher down payment.

Most mortgage insurance won’t cover investment properties with more than one unit, and the interest rate will be lower if you can pay more as the down payment. Mortgage insurance companies will only insure a one-unit investment property purchase with a maximum Loan to Value of 85%.

You’ll need a higher credit score. Scores that fall below 740 will lead to higher interest rates or having to pay an additional fee. Credit scores as low as 620 are allowed on investment property purchases, but the higher your credit score, the lower your interest rate will be.

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Buying a home is a big investment. It’s important to understand everything involved and see how much you can afford.

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