An investment property is a business decision as much as a financing one. Lenders treat rentals as higher risk, so the terms differ from a home you'll live in — and the deal only works if the rent comfortably covers the mortgage and then some. I help you see that clearly before you sign.
How investment financing differs
- Larger down payment. Expect more down than on a primary residence — often 15–25%+ depending on the property and program.
- Different rates. Investment loans usually carry a slightly higher rate, which I factor into your cash-flow math.
- Rental income counts. Projected or actual rent can help you qualify, within each lender's rules.
- Reserves matter. Lenders often want to see a cushion of savings, which we plan for up front.
Does the deal actually cash flow?
The number that matters is what's left after the mortgage, taxes, insurance, and a realistic allowance for vacancy and repairs. A property that looks great on rent alone can lose money once those are included — so we run it honestly before you commit.
Before you make an offer
Get pre-approved and pressure-test the cash flow first. It tells you your real budget, strengthens your offer, and stops a "good deal" from quietly becoming a monthly drain.
How it works with me
- Free strategy chat. We talk through the property type, your down payment, and your goals.
- Compare lenders. I shop your file so you see competing investment-loan terms side by side.
- Model the numbers. Rate, payment, and cash flow — with vacancy and repairs included.
- Close with confidence. I coordinate the loan and keep the timeline on track.
Common questions
Can I use expected rent to qualify?
Often, yes — many lenders count a portion of projected or lease-backed rent. The exact treatment varies, and we'll match you to a lender whose rules fit your situation.
Is financing different for multi-unit properties?
It can be. Two-to-four-unit and larger properties have their own guidelines and sometimes better rate options if you'll occupy one unit. We'll find the right fit.
Can I invest from outside the U.S.?
Yes. I work with foreign-national and non-resident investors worldwide — see my dedicated guide for international investors for how cross-border financing works.