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- Standard loans for purchasing or refinancing residential investment properties, typically 1-4 unit properties. These loans usually require a higher down payment (15-25%) and strong credit.
- Loans for high-value investment properties that exceed the conforming loan limit set by Fannie Mae and Freddie Mac. These loans are used for luxury or multi-unit properties and may require larger down payments and more stringent qualifications.
- Investment property loans based on the property’s cash flow rather than the borrower’s personal income. The lender looks at the Debt-Service Coverage Ratio (rental income compared to debt payments) to determine eligibility, making it ideal for borrowers with multiple properties or self-employed investors.
- Loans for properties intended for use as short-term rentals (e.g., Airbnb or vacation rentals). These loans may require specialized underwriting to account for fluctuating rental income but can offer favorable terms for investors in tourist-heavy areas.
- Loans for investors who may not meet traditional lending requirements, such as self-employed individuals or those with fluctuating income. These loans use alternative documentation methods (e.g., bank statements, rental income) for approval.
