Investment Property Loans
Whether you’re growing your rental portfolio or buying your first income property, getting a traditional mortgage can be tough!
But if banks have said no, we offer loan solutions for investors that fit real-world situations rather than strict lending rules.
- LLC ownership allowed
- Single-family & multifamily (up to 4 units)
- Up to 85% Loan-to-Value (LTV)
- Credit scores starting at 640
You can contact our experts right now and get a free consultation:
Designed for Real Estate Investors
If you’ve invested in real estate for any amount of time, you already know that traditional investment property lenders don’t always understand how investors actually operate.
They look at your tax returns and see reduced taxable income, but you see smart write-offs. Because of that, getting approved for a conventional loan can feel unnecessarily complicated or even impossible.
That’s exactly why our Property Investment Mortgage Loan exists. It’s built specifically for these people:
- Investors purchasing under an LLC
- Self-employed borrowers
- Rental property owners
- Portfolio builders scaling from 1–4 units
- Borrowers with credit scores starting at 640
- Investors who have conventional banks have declined
Key Loan Features
Up to 85% LTV
With this option, you can keep more of your capital working for you. Instead of tying up all your cash in one property, you can finance up to 85% of the purchase price. That means more liquidity for renovations and cash reserves for safety.
LLC Ownership Allowed
Most big banks still treat your investment like a personal hobby, forcing you to put the deed in your own name. We get that you’re building a business, not just buying a house, so we let you keep your personal life and your portfolio separate with LLC titling from day one.
It leads to:
- Liability protection
- Cleaner separation between personal and business assets
- Easier portfolio management
1–4 Unit Properties
Whether you’re finally pulling the trigger on your first rental or adding another fourplex to a growing portfolio, you need a loan that actually keeps up with your ambitions.
So this loan covers:
- Single-family homes
- Duplexes
- Triplexes
- Fourplexes
We provide the runway you need to scale your income-producing assets without the rigid constraints of a typical bank.
Credit Scores Starting at 640
Not every investor has an 800 credit score, and that’s okay. If your score is 640 or higher, you may still qualify. You don’t need perfect credit to invest. What matters is the full picture of your property, your strategy, and your overall financial profile.
Why Investors Choose Us
We’ve Worked With Thousands of Real Estate Investors. This isn’t our first deal, and it won’t be your last. This means we understand the patterns, the challenges, and the strategies that actually work. But that’s not the only reason you should choose us.
- 1. We Understand Investor Strategy
We know that tax write-offs reduce taxable income. Also, we know investors buy under LLCs. Because of that, our programs are structured around how investors operate.
- 2. Flexible Solutions, Not Rigid Boxes
If one path doesn’t work, we look for another. We evaluate the full scenario, not just one number on a tax return. We know that building wealth through real estate requires flexibility.
- 3. Built for Long-Term Relationships
Many of our clients return for their second, third, and fourth properties. So you should know that we’re not here for one closing. We’re here to support your portfolio growth over time.
Who This Loan Is Ideal For
This Loan Is a Great Fit If You:
1.
Have been declined for a conventional investment property loan: If banks rejected you because your application didn’t check all their rigid boxes, because of somthing like your debt-to-income ratio looked too high, or your paperwork didn’t line up perfectly, this loan is the backup plan for you.
2.
You are self-employed or own a business: If you are a business owner and don’t have steady W-2 pay stubs from a regular job, traditional lenders can make it really hard. Your income might swing month to month, you write off a ton of business expenses, or you pay yourself in ways that don’t look “normal” on paper.
3.
Purchase properties under an LLC: Many smart investors hold rental properties in an LLC for liability protection, tax benefits, or easier scaling. Conventional loans often hate that! They prefer everything in your personal name. This loan is investor-friendly and usually allows (or even prefers) the property to be titled in the LLC’s name.
4.
Want to finance up to 85% of the property value: That’s solid leverage for an investment property financing. Many conventional investor loans cap you at 75–80% financing (20–25% down), but this one lets you go higher, meaning you tie up less of your own cash upfront and can buy more properties or keep money liquid for repairs, reserves, or the next deal.
5.
Have a credit score of 640 or higher: It’s not super-strict (some programs go as low as 620), but 640+ is the sweet spot for approval and decent terms. If your score is in the mid-600s or higher and you’ve got other strengths (like good rental projections or solid reserves), you’re in good shape.
6.
You’re buying a single-family rental house or a small multifamily (2–4 units): This loan targets exactly those types of properties, think a single-family home you plan to rent out long-term, or a duplex/triplex/fourplex where you live in one unit or rent them all. It’s not usually for bigger apartment buildings, commercial stuff, or primary homes you live in full-time.
How the Process Works
1. Quick Consultation
First of all, contact us to have a conversation about the following:
- The property you’re looking to purchase (or refinance)
- Your investment goals
- Your credit range
- How do you plan to title the property (LLC or personal name)
We at The Mortgage Shop Company will guide you every step of the way. It’s just a straight-up look at your scenario so we can figure out how to help you cross the finish line.
Call us now to receive a free consultation:
2. Scenario Review
After a conversation, we look at the full picture, not just one number. Our team evaluates Property type, estimated value, and loan amount, LTV structure, and Credit profile.
Then we identify the most strategic loan structure for your situation.
3. Pre-Qualification
You deserve a clear view of the road ahead before you commit your time and energy. Instead of guessing games, we’ll provide you with straightforward feedback on your eligibility and estimated terms, along with a simple list of exactly what we’ll need from you.
Our goal is to give you honest, realistic expectations from day one. So you can move forward with total confidence or refine your strategy with all the facts in hand.
4. Close & Fund
From the moment you’re approved to the day you get the keys, we’re right there to make the final steps clear and efficient. Once everything is verified, we move quickly to wrap up the paperwork and disburse the funds so you can secure your property without the usual hurdles.
Our goal is a smooth, professional transition to ownership with absolutely no last-minute surprises.
Once the deal is closed, you’re free to shift your focus exactly where it belongs:
optimizing your cash flow, building equity, and strategically growing your portfolio!
FAQ's
Do I need prior landlord experience to qualify?
No, prior landlord experience is not always required. While experience can strengthen your file, many first-time investors qualify based on their overall financial profile and the property’s strength.
Can I use projected rental income to qualify?
In many cases, yes. Depending on the loan structure, rental income from the subject property may be considered. We review each scenario individually to determine how income can be used.
Are there prepayment penalties?
Some investor property financing programs may include prepayment structures, depending on the terms selected. We’ll clearly explain all options up front so you can choose the one that aligns with your investment strategy.
How long does the approval process typically take?
Timelines vary based on documentation and property type, but investment property loans are structured to move efficiently.
Is there a limit to how many properties I can own?
Unlike many conventional lenders, investor-focused programs are generally more flexible regarding existing property ownership. Your overall financial strength matters more than an arbitrary property cap.
Do I need full income documentation like a traditional loan?
Not necessarily. These programs are designed for investors, which means qualification may differ from traditional W-2 income verification.
What if my credit score is slightly below 640?
If your score is close, it’s still worth a conversation. There may be alternative steps you can take to strengthen your profile quickly.