Ready to reach financial independence through real estate? Whether you are looking for an investment property or a vacation home to spend relaxing days, Veteran Mortgage Brokers can bring the same level of personalized attention and service to all of your real estate purchases.
Your dream home might be within reach! Veteran Mortgage Brokers can help with investment property loans. Our prequalification process will ensure that you are ready to buy and we can help you find a real estate agent to meet your needs.
Mortgage Loan Programs for Vacation and Investment Homes
30-Year Loan
Take advantage of low rates by locking into a low payment with a traditional 30-year loan.
You may be able to qualify for owner-occupied financing with lower interest rates, based on your use of the home. Talk to a loan specialist to find out what programs offer the best terms for your situation.
15-Year Loan
Get the same security of a 30-year fixed rate mortgage, but pay your mortgage off in half the time. This means paying less in interest and owning your home sooner! This translates to greater monthly income from your investment.
Get Pre-Qualified
Great investment properties are out there but are often purchased by buyers “in the know” quickly. Increase your bargaining power by getting pre-qualified with us today.
Get started today!
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Frequently Asked Questions
What is an investment property loan?
An investment property loan is financing used to purchase or refinance a property that’s intended to generate income—such as a rental home, duplex, or multi-unit building—rather than serve as a primary residence.
How is an investment property loan different from a primary home loan?
Investment property loans typically have stricter qualification requirements, such as higher credit score expectations, larger down payments, and higher reserve requirements, since they carry more risk for lenders.
What types of properties qualify as investment properties?
Eligible properties can include single-family homes, condos, townhomes, and multi-unit residences (usually up to four units). The key factor is that the borrower does not occupy the property as their primary residence.
Can rental income be used to qualify for an investment property loan?
Yes. In many cases, a portion of the expected rental income can be used to help offset the monthly payment when calculating debt-to-income ratios. Documentation such as lease agreements or appraiser rent schedules may be required.
Are there different loan programs available for investment properties?
Yes. Borrowers may use conventional financing or specialized programs like DSCR (Debt Service Coverage Ratio) loans, which base qualification more on property income than personal income.
