Build a deliberate real-estate portfolio
Investment property financing
Investment-property loans can finance long-term rentals, select short-term rentals, and other non-owner-occupied residential opportunities.
How it works
Investment property financing, explained clearly.
Guidelines and pricing differ from primary-residence financing. Down payment, reserves, property cash flow, lease structure, borrower experience, and the number of financed properties may all shape the available options.
May be a fit for: New and experienced investors who want the financing structure to match the property’s cash flow and holding strategy.
Explore my eligibilityPotential advantages
What this program can make possible.
Benefits depend on qualification and the specific loan structure. Compare them with the costs and limitations below.
Conventional and specialty investor structures
Single-property and portfolio strategies
Fixed and adjustable options may be available
Property income may support qualification under eligible programs
Know the tradeoffs
Important points to review.
Higher down payments and reserves are common.
Interest rates and fees are typically higher than owner-occupied financing.
Rental projections are not guarantees of performance.
Common questions
Make the comparison with complete information.
01How do I know whether Investment property financing fits my situation?
The right fit depends on the property, occupancy, income, assets, credit, debts, timeline, and long-term goal. A personalized review is the only reliable way to compare options.
02Does viewing this page or using a calculator qualify me?
No. Website information and calculator results are educational estimates. Approval requires a complete application, documentation review, credit review, eligible property, and final underwriting.
03What should I prepare for a consultation?
A clear purchase or refinance goal, estimated property value or budget, income sources, monthly debts, available funds, and any timing constraints are a useful start. Gin will explain which documents are actually needed next.
04Are rates and guidelines guaranteed?
No. Rates, fees, program guidelines, and availability can change without notice. A written Loan Estimate and final loan documents control the terms of any transaction.
Your numbers. Your next step.
See whether investment property financing belongs in your plan.
Gin can review eligibility, estimated payment, cash-to-close, documentation, and program alternatives with you.
Calculator results are hypothetical educational estimates, are not guaranteed, and are not a commitment to lend or a pre-approval. Actual payments can include taxes, insurance, mortgage insurance, association dues, and other costs. Rates, fees, programs, and guidelines are subject to change. Consult a licensed mortgage professional for a personalized review.